IFA Options
Strategies for IFAs

Annuitisation or Capitalisation?

Over recent years many financial advisers have been considering whether to remain actively advising or whether to sell up and retire. Both regulatory changes and the economic environment means that many find themselves spending far too much time running their business and dealing with compliance issues, and much less time actually advising their clients. A classic case of running faster to stand still!

Nexus IFA offers both an annuitisation and a capitalisation solution. The mechanism for both involves the sale of your firm and as such entrepreneur’s relief may apply.

Both strategies are designed to assist advisers who are looking for the best solution for both themselves and their clients, as they decide their future. Both offer a degree of flexibility in terms of time-scale and the level of further client integration desired (if any).

Our capitalisation option is for those who would prefer to receive a cash sum on sale.

Our annuitisation option allows for any recurring income you have to continue to be paid on a shared basis. This option also allows you to continue to liaise in a non-advising capacity with your clients if you wish to do so.

Take a look at the details on each option below.

Annuitisation Option

Deregulated - no further compliance/regulatory involvement
A client liaison relationship can be maintained if desired
Nexus IFA Advisers service client needs & carry regulatory risk
On-going share of commission/fee income on new business paid for 10 years
On-going share of trail/FUM/renewal income paid for 10 years

Capitalisation Option

Capital sum paid in instalments
Due diligence carried out by Nexus to determine your firm's value


An IFA firm run by experienced IFAs who share your vision and put clients first.

We are fully independent.

No - we've worked with firms as far apart as North Yorkshire and Brighton.

Yes - we always feel a 'meet the team' visit should be an important part of joining Nexus IFA.

All clients are novated on sale so technically they then belong to Nexus IFA.
However, with our annuitisation option if you wish to maintain a liaison role with your existing clients then that is absolutely fine.

We have a great administrative team based in our Bridgwater offices, consisting of experienced paraplanners and administrators.

We have a Novations desk which is there to support the whole process, and together with our Network is responsible for the vast majority of the work involved.

All contracts are designed to offer you support and protection as we see our relationship with you as an ongoing one.

A fully qualified and regulated Nexus Adviser is always responsible for any future advice and recommendations.
If the annuitisation option is chosen, your role is a client liaison one, supporting the relationship between the client and Nexus, but only if you wish to maintain a client relationship role, the choice is yours.

We have a client contact and service system backed up by our regular emails and newsletters.

We are a fun team, our Christmas Parties are legends in their own lifetime, we usually organise a summer event too, and we also have an annual Golf Day!

Contact Nexus