A respectful retirement, a protected legacy, and peace of mind.
Keep advising your clients with Equity & General’s compliance, paraplanning and administration behind you, and exit on fair terms when you choose to retire.
If you are an experienced adviser beginning to think about retirement over the next few years, you may be asking yourself:
- ?What will happen to my clients once I step back?
- ?Will I be able to exit on fair terms, confident my clients will be well looked after?
- ?Is there a succession path that reflects my values and protects the legacy I have built?
A succession path that reflects your values
Securo is a succession-led programme for advisers who care about their clients, their legacy and doing things the right way. You keep running your business, with E&G's compliance, paraplanning, administration and infrastructure behind you.
We work with principal-led firms typically managing £25m–£100m of assets under management, and offer a structure that gives you clarity and control while giving your clients the continuity they deserve.
The pressures you may be facing
If you are directly authorised, you may also be feeling the growing fatigue from the mounting demands of running a regulated business. You are not alone.
Regulation and governance
Consumer Duty and PROD demand proof of value and suitability. PI costs rise, FCA scrutiny intensifies, and SM&CR adds personal accountability.
Operational strain
Compliance, technology, administration and insurance costs keep growing, and limited capacity makes FCA expectations harder to meet.
Time and client service
More time on reviews, disclosures and compliance; less on clients. Even unprofitable relationships must meet full servicing standards.
Succession and staffing
Many advisers face retirement without a clear plan, paraplanning and compliance staff are hard to hire, and one person wears every hat.
Commercial pressure
Fee compression and low-cost platforms erode margins while consolidators attract clients and talent through scale.
The choice it leaves
Grow, sell, or risk becoming uncompetitive.
Key features of the Securo programme
Keep running your business
With the support of our compliance, paraplanning, administration and infrastructure teams.
Transition at your own pace
Staying client-focused and in control throughout.
Exit on fair terms
E&G acquires your assets under management at no less than market value when you choose to retire.
No pressure if it is not the right fit
If we cannot agree terms, your clients are novated to a host of your choosing.
Preserve your legacy
Through our emphasis on intergenerational wealth planning and client-family continuity.
Trainee advisers
Who proactively reconnect with your legacy clients and guide them back to you or your team for advice.
Self-paced, and reversible until you sign
Join
Your business carries on. Compliance, paraplanning, admin and infrastructure move to Equity & General.
Rebuild the book
Trainee advisers work with you to re-engage legacy clients and get reviews back on a cycle.
Hand over gradually
Clients meet the adviser who will look after them next, while you are still there.
Exit
When you choose: acquisition at no less than market value, or novation if that suits you better.
What you get, beyond the number
- Confidence that your clients are in safe, professional hands.
- Flexible terms that reflect fair value for your life’s work.
- The opportunity to protect your legacy, not lose it in a corporate merger.
- A personal, respectful process from first conversation to final handover.
You have earned the right to step back on your own terms — and to know exactly who will be looking after your clients when you do.
Securo, in detail
Do I give up ownership when I join Securo?
What if I never want to sell?
What are the exit terms at the end?
Who talks to my clients?
How is this different from being an appointed representative?
Can I move from Securo to Fiducia?
Tell us about the business
Would you rather just be finished?
Fiducia is the immediate exit: acquisition of the client book now, full novation, and a handover on your timetable.
- A buyer, not a broker
- Confidential from the first call
- Value my practice