Self-invested pensions are a working relationship between the product provider, the client and the advisers assisting the client. The success of this relationship depends on a number of factors:

• Clients must be free to choose advisers and change advisers at any time. Curtis Banks do not impose their own advisers on a client. For example, clients can use their own solicitors and surveyors when making a property purchase.

• Systems must be in place to ensure smooth liaison between all the parties involved so that work is processed as effectively as possible. Curtis Banks design all their systems for ease of use and will work with an adviser to arrange a bespoke service that works well for all concerned.

• The product provider must dovetail their services with advisers’ services to ensure that they do not interfere with the adviser’s relationship with their client. Curtis Banks are specialist product providers and do not provide other services that might overlap with those of the client’s advisers and harm the working relationship.

Our main method of product distribution is via financial advisers and we have many years’ experience operating this business relationship successfully. Our standard business relationship is that the client’s first point of contact is with their financial adviser, who would then deal with Curtis Banks.