About

Spire Platform Solutions (Spire PS) was formed to focus on the creation and development of innovative and disruptive financial services products and technology. Our goal is to deliver solutions that improve outcomes and meet real needs. The first of these developments was the launch, with our partner Just Group, of their Secure Lifetime Income product.

Our aim is to develop and modernise financial products and services to make them meaningful, relevant and appropriate for today, not yesterday.

Over the years, it's natural to view the world through the lens of your own experiences and knowledge. At Spire Platform Solutions, our diverse team brings together a wide range of skills and perspectives, allowing us to approach problems from fresh and varied angles.

Collaborative – We build open and trusting relationships.
Authentic – We walk our talk and take responsibility.
Sustainable – We make a long-term positive difference to people and organisations.
Excellence – We create value through insight and innovation.

At the heart of
our business
are our
common values

PORTAL

The Spire PS Portal provides a unique, innovative solution that caters for the needs created by an ever-changing marketplace. It allows users of wealth platforms to access products that are uniquely offered by insurance companies, neatly, easily and without frustration.

View The Spire PS Portal brochure here

View Brochure

Discover

Innovation

We see our role as helping others to develop their businesses, products and services for today, not yesterday.

The first of these developments has been our partnership with Just Group, one of the United Kingdom’s leading annuity providers. We have worked together to develop an innovative and modern guaranteed lifetime income product that optimises the rules set out in Pension Freedoms.

Additionally, we have ensured that it is ‘modern’ from a technology and servicing perspective. Partnering with Wealthtime (previously Novia Financial), a leading wealth platform, to deliver this to Financial Advisers for use with their clients.

Working with like-minded people

The term partnership is a word that is often used when in reality one is a client of the other.

At Spire PS we see a partnership as working with like-minded people, with the same core values to achieve a mutually beneficial goal.

Indeed, during the development cycle of our initial offering to market we have collaborated with Just to hone our thinking and ensure that the new solution ticks all of the necessary boxes, including some that may not have been so obvious had we worked on this in isolation.

We both had a common objective and belief in what we were trying to do, to provide the end client with the best possible outcome.

So our Partners are companies and people that we find inspiring, these include not only Just but also Dunstan Thomas, Wealthtime (previously Novia Financial) and 7IM.

Our Secure Lifetime Income Partners

Latest Development

For today,
not yesterday

For the last few years we have been hard at work developing a new and innovative retirement income solution with some of our partners. The product – Secure Lifetime Income – has been launched by Just and is available on the Wealthtime and 7IM platforms.

The retirement income marketplace is certainly one of the most interesting since Pension Freedoms radically changed how people can access their pension. The market, however does not seem to have kept up with these changes.

Spire Platform Solutions teamed up with Wealthtime, the investment adviser wrap platform, and Just Group, the leading provider of retirement income products to bring to market a truly innovative guaranteed lifetime income product for the retirement market – Secure Lifetime Income (SLI).

For many retirees traditional annuities are no longer ‘fit for purpose’, compromised by inflexibility and an inability to evolve in response to regulatory change. As a result, they are often overlooked as components of retirement income planning, despite offering the certainty of income that many clients are looking for as their retirement journeys play out.

SLI has been developed to address these shortcomings, offering an income guaranteed to be paid until death and is still underwritten to optimise the level of income achieved. Importantly, SLI is designed to be held as an asset of a client’s existing SIPP, will provide a meaningful payout on early death and, uniquely, offers an early encashment option if a client’s circumstances change.

SLI is designed to sit alongside traditional invested assets within a SIPP wrapper providing a guaranteed income underpin whilst forming part of a portfolio that reflects a client’s individual income needs, risk appetite and capacity for loss. Just like the income generated by those more traditional assets, the income from SLI can be taken or left within the SIPP wrapper.

If you would like to find out more about Secure Lifetime Income then please contact us.

Media

Latest news and views

One of the benefits of working with Adrian Boulding, one of the UK’s leading pension commentators, is that he has a lot of really interesting things to say.

Adrian is an Actuary with 40 years’ experience in all areas of pensions and was one of the founders of Spire Platform Solutions, serving a five-year term as the Company’s first Chair. Although Adrian has now moved to other fields, he remains a staunch believer in the benefits to consumers of Secure Lifetime Income.

Not only will we be capturing all of the latest Spire PS news, Adrian has also created some vlogs and a series of educational pieces entitled 'Sustainable Income investing' which we hope will stimulate thought around the difficult issues that people may face while investing in retirement. We hope you enjoy his insights and vlogs.

Spire Platform Solutions does not provide advice and does not advocate any particular investment solutions.

Our Vlog Page