Help Centre for Advisers

“Welcome to the Adviser toolkit. Let me give you a quick tour.”

The Help Centre can help with attracting new business, educating your clients and also supporting them.

1. You will be given 3 options to choose from. They will all include documents to read and distribute and also helpful video tutorials which you can share with your clients.

2. Below the toolkit button are helpful topics to help you understand the application process and and step by step guide of how to sign up and what to do once you’ve signed up.

3. To continue with your application click the ‘Continue your application’ button below the helpful topics on the left.

Attracting New Business

Attracting New Business

Whether your priorities are attracting or retaining business this section provides you with the materials to help contact companies to inform them of the new legislation and how you can support them.

Educating Your Clients

Educating Your Clients

We have created a selection of materials to support your initial discussions with your clients. Dependent on your client’s level of engagement and knowledge, our versatile toolkit contains materials that will educate them on auto enrolment, their responsibilities and options.

NOW: Pensions Solution

NOW: Pensions Solution

Collateral to educate your client on why NOW: Pensions is the right solution to help them with their auto enrolment requirements. From intuitive systems, flexible model designs and strong governance these materials are designed to help support your recommendation.

Supporting Your Clients

Supporting Your Clients

Questions from your client’s employees about auto enrolment – even at a very basic level – are inevitable, leaving employers exposed to providing answers to any number of queries and concerns. This makes employee education extremely important, so we have provided you with a suite of materials to support this education.

Resource Library - Collateral

Collateral - Introduction


These resources will guide you through everything you need to know about NOW: Pensions and what we offer to our clients and members


This section offers you a full guide to everything you need to know about Auto Enrolment and your responsibilities, whether you are an employer, payroll bureau or an adviser.


Documents in this section will help you sign up to the NOW: Pensions scheme, set up your Direct Debits and help with communications.


Find out how to login, verify company details, employer/admin role account setup, setting up your payroll, postponement decisions and importing employee data in this section.


Everything an employee needs to know about auto enrolment and the NOW: Pensions scheme can be found here. Including some useful templates for to help you communicate with them.


This section contains everything you need to know about managing your NOW: Pensions employer portal.


This section contains an interesting collection of policy findings, reports and white papers.

Resource Library - About NOW: Pensions

These resources will guide you through everything you need to know about NOW: Pensions and what we offer to our clients and members

NOW: Pensions | A sophisticated approach to multi asset investing brochure
NOW: Pensions features and benefits brochure
Why NOW: Pensions for Advisers

Find out all the great reasons to work with NOW: Pensions in this document.

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NOW: Pensions adviser proposition

This brochure outlines the flexible solution and comprehensive support that NOW: Pensions offers so you can focus on advising your cients, from initial engagement right through to launching the scheme and implementation.

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Auto enrolment costs and charges

A two page document explaining some of the costs that may be associated with setting up a pension scheme, how to keep costs down and how much it costs to use NOW: Pensions.

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An introduction to auto enrolment contributions

The NOW: Pensions contribution models are designed to cater for all requirements, from those that want to comply with the legislation at minimum cost to those that want to offer their employees an enhanced benefit. In this document we outline your options.

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For employers: Guide to signing up to the NOW: Pensions scheme

This document outlines the online sign up process. It explains the steps that need to be taken, the information you will need to get started and what NOW: Pensions has to offer.

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3 minute guide to NOW: Pensions

An introduction to NOW: Pensions briefly detailing our key services, investment proposition and presenting our Board of Trustees.

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Adviser template: Auto enrolment overview of services and fees

An editable template financial advisers can give to clients outlining the fees advisers charge for auto enrolment such as assessment and structure; identifying and recommending providers; member communications; implementation; updates and post staging date services.

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The NOW: Pensions investment approach

Information about NOW: Pensions investment proposition covering our investment strategy, philosophy and management. A useful document in gaining more information on how your money is being managed.

Please note we will be making some changes to this as of the 1st June 2016, please read our announcement of changes document for further details.

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The key points to discuss with your adviser

There can be a lot of information to get to grips with when trying to understand auto enrolment. This document helps employers make sure they are asking the right questions when speaking to a financial adviser.

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Resource Library - About auto enrolment

This section offers you a full guide to everything you need to know about Auto Enrolment and your responsibilities, whether you are an employer, payroll bureau or an adviser.

An introduction to auto enrolment

A guide to help explain the rules and regulations around auto enrolment including summary of auto enrolment, eligibility of a workforce (eligible jobholders, entitled workers and non-eligible jobholders), timings, member costs and postponement.

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Step by step guide to auto enrolment

This step by step guide will help you understand what is expected of you and how employees may be affected. The steps a broken down to the following categories: Staging/duties start dates and planning, Scheme selection, Scheme design and contributions, Payroll integration, Assessing workers, Postponement, Communications, Record keeping and reporting.

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Understanding auto re-enrolment

This document describes the process an employer must follow roughly every three years from their staging/duties start date.

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Resource Library - Signing up

Documents in this section will help you sign up to the NOW: Pensions scheme, set up your Direct Debits and help with communications.

Direct Debit instruction for contributions

A form for employers to complete and return to NOW: Pensions with instructions for their bank to pay for deducting contributions.

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Direct Debit instruction for charges

A form for employers to complete and return to NOW: Pensions with instructions for their bank to pay for deducting charges, if applicable.

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Guide to downloading a Direct Debit reconciliation report

This document provides guidance on how to use the Direct Debit contribution reconciliation report that is available on your NOW: Pensions portal.

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Adviser template: Client agreement

A template financial advisers can use to give to their clients agreeing the services they will provide for setting up a pension scheme. It includes a description of initial services, charges, ongoing and potential ad hoc services, services not covered under this agreement and any risk warnings.

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Adviser template: Suitability report

A report which financial advisers can adapt for their clients outlining their recommendation as to which pension provider they feel is most suitable, responsibilities, postponement, implementation plans and next steps.

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Online sign up form

The online sign up form can be completed and given to a business adviser such as a financial adviser or payroll bureau who can set up your NOW: Pension scheme online for you.

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Adviser template: Letter for prospective clients

A letter template financial advisers can send to potential clients to let them know that they advise on auto enrolment and that they can help them with the planning and set up.

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Adviser template: Letter for existing clients

A letter template financial advisers can use to help communicate to their clients how they can help them with the planning and getting set up for auto enrolment.

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Resource Library - Employer portal set up

Find out how to login, verify company details, employer/admin role account setup, setting up your payroll, postponement decisions and importing employee data in this section.

Guide to setting up and using your employer portal

This is a document guiding employers through the initial set up of their employer portal and includes: logging in, verify company details, employer/admin role account setup, setting up your payroll, postponement decisions and importing employee data.

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Resource Library - Employee communication

Everything an employee needs to know about auto enrolment and the NOW: Pensions scheme can be found here. Including some useful templates for to help you communicate with them.

Template: Tell employees when their contributions will be increasing

A letter which employers can give to their employees telling them when their contributions will be increased.

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An Employee’s Guide to Auto Enrolment

A succinct easy to read guide which explains auto enrolment from an employee’s perspective.

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Member booklet

A booklet provided to members of the NOW: Pensions scheme explaining how their money is invested, transferring in other pensions, charges, who to contact and frequently asked questions.

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PowerPoint: Introducing your workplace pension

A presentation for employees which highlights: What is auto enrolment, why it is happening, how does it affect me, when will I be auto enrolled, costs, when and how can I take the benefits, what if I don’t join and information about NOW: Pensions.

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Template: Tell your employees auto enrolment is coming

A letter which employers can give to their employees outlining when they will be auto enrolled, who is eligible to join and letting them know that NOW: Pensions will be looking after their scheme.

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Information poster suite

This is an employee education poster package highlighting different auto enrolment messages with contact details (web and phone). Useful for employers to display in their workplace to educate their staff who would like more information on the new legislation.

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Expression of wish form

This document is for members to fill in outlining how they would like to allocate their scheme benefit should they pass away.

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For members: What can you do with your pension pot

A two page document explaining the new pensions regulations on freedom and flexibility in retirement that came out on 6th April 2015 and the options that are available.

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For members: Your pension’s key features

A summary of the key points employee’s need to know about their pension. It includes a brief description of auto enrolment, how the pension arrangement works, what tax relief means, how much their pension will cost and frequently asked questions.

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A member’s guide to investments

This education brochure details how NOW: Pensions manages a member’s pension savings and how we invest employer and employee contributions. It also includes information on how we look after the money now and in the future.

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Resource Library - Employer portal management

This section contains everything you need to know about managing your NOW: Pensions employer portal.

Guide to the generic input file (payroll assessing)

This document is to be used where payroll is undertaking the assessement and is to be used to help you identify the information that should be included on the generic input file including the specific format required for each column so that it can easily be uploaded into the NOW: Pensions portal.

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Guide to the generic input file (NOW: Pensions assessing)

This document is only to be used where NOW: Pensions is performing the assessment functions. Within it you will find the information that is to be included in the generic input file when uploading it to the NOW: Pensions employer portal.

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Guide to the generic input file (voluntary scheme)

This document is for those who have selected a voluntary scheme. It is to be used where payroll is undertaking the assessement but the file being used has no headers. It is to be used to help you identify the information that should be included on the generic input file including the specific format required for each column so that it can easily be uploaded into the NOW: Pensions portal.

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Guide to setting up pay periods

Some payroll software providers operate on a tax week/month basis so there may be some work to do at the start of the tax year to ensure submissions from payroll software providers can be accepted by NOW: Pensions. Within this document you will find instructions for creating new pay periods and amending existing
pay periods for the 2015/2016 tax year.

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Guide to avoiding data duplications

This document helps identify any potential problematic data to ensure that employee records are not being duplicated and employees are not being paid twice.

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Guide to the generic output file

This document explains the different columns and formatting to be included in the file which is exported from the NOW: Pensions portal.

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Payroll calendar upload template

A template that can be used to bulk upload your payroll timetable. The bulk upload facility allows you to create multiple pay periods in one go. We would suggest that you have a minimum of 3 and a maximum of 12 month’s worth of future pay periods set up at any one time.

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Guide to common errors and warnings

This guide highlights some of the most frequent errors (in no particular order) encountered when uploading payroll files in the NOW: Pensions portal and provides guidance to overcome these issues should they arise.

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Resource Library - Reports & white papers

This section contains an interesting collection of policy findings, reports and white papers.

Value for money – Assessing value for money in defined contribution default funds

This report published by the Pensions Institute, explores whether the cost of membership offers value for money to the ‘average’ member. It looks at preliminary quantitative and qualitative findings of Caveat Venditor and provides fresh analysis.

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Pensions 2022 – A vision of the future

“Pensions 2022 – a vision of the future” is a white paper report that brings together the views of eleven industry experts and commentators on what they hope the world of pensions will look like in 2022 – ten years on from the introduction of auto enrolment – and what they believe needs to happen to make their vision a reality.

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Policy of Social Responsibility in Investments – NOW: Pensions Trust

The Policy of Social Responsibility sets out the principles and policies adopted by NOW: Pension Trustee Limited in investing the assets of NOW: Pensions Trust.

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Resource Library - About Auto Enrolment

Resource Library - Your Pension Scheme

Resource Library - Signing Up

Resource Library - Setting Up

Resource Library - Scheme Administration

Employee communication

Resource Library - About NOW: Pensions

NOW: Pensions' risk management and diversified growth fund are state of the art. — Win Robbins, former Head of European Fixed Income Barclays Global Investors
“We were impressed with the simplicity of its scheme. The ease of implementation was also a big plus for us and has removed much of the administrative headache.” — Neil Tune, HR director at Fitness First
ATP comes to the UK pensions world with the highest commendations from the Danish trade unions, employers and government. NOW: Pensions' offering in the UK will be high quality, low cost, and honest and I'm proud to be associated with it. — John Monks, member of House of Lords and former General Secretary of ETUC and TUC
I firmly believe in NOW: Pensions' principle that everyone deserves the right to a better retirement. I look forward to being part of the team which aims to achieve this in the UK. — Win Robbins, former Head of European Fixed Income Barclays Global Investors
“Redington’s Investment Committee assigned an Approved Rating to the NPI DGF and positive on the fund.” — Redington