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It’s the consumer, stupid ! N ew opportunities through corporate wraps Nigel Aston
It’s the consumer, stupid!
It’s all about the customer
Hey! <ul><li>What is it? </li></ul><ul><li>What do you have to believe? </li></ul><ul><li>Reasons why it’s good </li></ul>...
The king is dead………. ……  long live the king
Balance
What is a pension?
What are people’s lives like?
What is corporate wrap?
What is corporate wrap?
High Net Worth Graduates Foot on property ladder Young families School fees Available income What is corporate wrap?
High Net Worth Graduates Foot on property ladder Young families School fees Alternative tax incentives Pension maximising ...
What do you have to believe? <ul><li>Pensions aren’t enough </li></ul><ul><li>Consumers want to save </li></ul><ul><li>Peo...
<ul><li>Slow, steady, fat </li></ul><ul><li>Resting, preparing, transforming </li></ul><ul><li>Free, light, mobile, beauti...
How have other markets metamorphosed? <ul><li>Slow, steady, fat </li></ul><ul><li>Resting, preparing, transforming </li></...
<ul><li>Slow, steady, fat </li></ul><ul><li>Resting, preparing, transforming </li></ul><ul><li>Free, light, mobile, beauti...
<ul><li>Slow, steady, fat </li></ul><ul><li>Resting, preparing, transforming </li></ul><ul><li>Free, light, mobile, beauti...
Metamorphosis Do we need advisers for this? <ul><li>Slow, steady, fat </li></ul><ul><li>Resting, preparing, transforming <...
Putting it all together Presentation layer  Administration infrastructure Products linked to platform ISA Pension Share sa...
<ul><li>It’s just a platform </li></ul><ul><li>Configure and tailor the service </li></ul><ul><li>Segmentation </li></ul><...
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111110 D Cisions Corp Wrap Final

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A recent presentation at the 2011 PFS conference.

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111110 D Cisions Corp Wrap Final

  1. 1. It’s the consumer, stupid ! N ew opportunities through corporate wraps Nigel Aston
  2. 2. It’s the consumer, stupid!
  3. 3. It’s all about the customer
  4. 4. Hey! <ul><li>What is it? </li></ul><ul><li>What do you have to believe? </li></ul><ul><li>Reasons why it’s good </li></ul><ul><li>Where does the adviser fit in? </li></ul>
  5. 5. The king is dead………. …… long live the king
  6. 6. Balance
  7. 7. What is a pension?
  8. 8. What are people’s lives like?
  9. 9. What is corporate wrap?
  10. 10. What is corporate wrap?
  11. 11. High Net Worth Graduates Foot on property ladder Young families School fees Available income What is corporate wrap?
  12. 12. High Net Worth Graduates Foot on property ladder Young families School fees Alternative tax incentives Pension maximising Share save Accessibility Deposit Short term savings/debt Decumulation Available income What is corporate wrap?
  13. 13. What do you have to believe? <ul><li>Pensions aren’t enough </li></ul><ul><li>Consumers want to save </li></ul><ul><li>People trust their employer </li></ul><ul><li>(Don’t listen to Kevin) </li></ul>
  14. 14. <ul><li>Slow, steady, fat </li></ul><ul><li>Resting, preparing, transforming </li></ul><ul><li>Free, light, mobile, beautiful </li></ul>How have other markets metamorphosed?
  15. 15. How have other markets metamorphosed? <ul><li>Slow, steady, fat </li></ul><ul><li>Resting, preparing, transforming </li></ul><ul><li>Free, light, mobile, beautiful </li></ul>
  16. 16. <ul><li>Slow, steady, fat </li></ul><ul><li>Resting, preparing, transforming </li></ul><ul><li>Free, light, mobile, beautiful </li></ul>How have other markets metamorphosed?
  17. 17. <ul><li>Slow, steady, fat </li></ul><ul><li>Resting, preparing, transforming </li></ul><ul><li>Free, light, mobile, beautiful (?) </li></ul>How have other markets metamorphosed?
  18. 18. Metamorphosis Do we need advisers for this? <ul><li>Slow, steady, fat </li></ul><ul><li>Resting, preparing, transforming </li></ul><ul><li>Free, light, mobile, beautiful </li></ul>
  19. 19. Putting it all together Presentation layer Administration infrastructure Products linked to platform ISA Pension Share save Protection Investment Payroll/HR Other benefits Flex <ul><li>In house? </li></ul><ul><li>On-line? </li></ul><ul><li>Connectivity? </li></ul><ul><li>Timing? </li></ul><ul><li>DB? </li></ul><ul><li>Harmonised? </li></ul><ul><li>Portal </li></ul><ul><li>Window? </li></ul><ul><li>Competing? </li></ul>
  20. 20. <ul><li>It’s just a platform </li></ul><ul><li>Configure and tailor the service </li></ul><ul><li>Segmentation </li></ul><ul><li>Cherry pick </li></ul><ul><li>Translate and advise </li></ul><ul><li>Communicate </li></ul><ul><li>Cross sell </li></ul><ul><li>Measure </li></ul>Where does the adviser fit in?

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