Altor Views3 min read
Should You Write Your Reverse Obituary?
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16 March 2026
Exclusively for Standard Life employees· Chartered Financial Planners
Your benefits,expertly planned.
Chartered Financial Planners who know your Standard Life package inside out. Mastertrust pension, legacy Phoenix pensions, SAYE, SIP and MyChoice benefits, brought together in one clear plan for your future.
Free, five minutes, no sign-up. Your score and your priorities before you talk to anyone. Fixed fee advice when you are ready, often paid from gross salary.
10%+ employer match
Potential pension contribution matching most colleagues never fully use
4x FT Top 100 adviser
Named in the Financial Times Top 100 four years running
100% plans stress-tested
Every plan tested across dozens of historical market scenarios
Your benefits
Maximised,
not missed.
Most employees leave money on the table.
Standard Life offers one of the most comprehensive benefits packages in the industry, but without expert guidance it is easy to miss out on thousands in value every year. We know your options inside out, from pension matching and salary sacrifice to SAYE and Share Incentive Plans.
- Default pension contributions
- Overlooking salary sacrifice
- Missing matching opportunities
- Every benefit optimised for you
- Pension match
- SAYE
- SIP
Your future
Planned,
not guessed.
See your future in high definition.
Most people plan their finances with spreadsheets and guesswork. We use advanced cashflow modelling that tests your plan against dozens of historical market scenarios, including wars, recessions and crashes, so you can retire with confidence rather than crossed fingers.
- Spreadsheet guesswork
- Single-scenario planning
- A retirement that “should be fine”
- Stress-tested certainty
- Cashflow modelling
- What-if scenarios
- Clear reports
Standard Life expertise
We know Standard Life
inside out.
Unlike generic advisers, we have spent years inside the Standard Life benefits package. We know the deadlines, the options and the opportunities most employees never see.
Beat one
Your package already does more than you think.
Employer matching, salary sacrifice, share schemes and flexible benefits are worth thousands a year when they are switched on and pointed at the right goals. Most colleagues use a fraction of them.
Beat two
You are better protected than you realise.
Death in service, income protection and the cover inside MyChoice already shelter your household. We show you exactly what you have, so you only pay for what is missing.
Beat three
Then we join it all into one route to retirement.
A stress-tested plan that takes today's benefits and shows where they lead, with what-if scenarios for the decisions along the way. Your plan stays with you and you keep coming back to it.
- Standard Life Mastertrust pensionGet the most from your workplace scheme: contribution matching, salary sacrifice and the right fund choices for your retirement age.
- Legacy Phoenix pensionsMany colleagues still hold older Phoenix schemes. We untangle what you have, what it is worth and whether it belongs in your plan.
- SAYE and Share Incentive PlanSave As You Earn options and SIP shares can build serious wealth tax-efficiently, if you know when to hold, sell or transfer.
- MyChoice flexible benefitsNavigate the annual enrolment window with guidance on healthcare, dental, life cover and every salary sacrifice option.
- Death in service and income protectionKnow exactly what protection your employment gives your family, and close any gaps before they matter.
We have worked with Standard Life employees for years. We understand the nuances of your benefits, the timing of your options and how to maximise every pound.
Most people do not realise they are leaving thousands on the table each year. With the right guidance, your Standard Life package can be worth significantly more than your headline salary suggests.
Matt Pitcher
Managing Partner, Chartered Financial Planner
- FPFS
- CFP™
- Chartered
Simple process
How Standard Life × Altor works
Expert financial planning, made accessible. From a free score to a plan you can keep, in four clear steps.
- 1
Step 1
Take the free health check
Twenty-five questions, about five minutes, one question at a time. Your financial health score out of 100, how you compare with colleagues and the three things worth doing first.
- Scored with the engine our advisers use
- Saved to your account so you can watch it move
- 2
Step 2
Tell us about yourself
Complete your financial profile in about 15 minutes. We ask about your Standard Life benefits, current savings, goals and what retirement looks like for you. Guidance, resources and tools are free of charge.
- Standard Life specific calculators
- Clear explanations of your savings plans
- Risk assessment included
- 3
Step 3
Get your personalised plan
Our advice can be paid from your gross salary, so you save the tax, making it significantly cheaper than paying out of your own pocket. Our Chartered Financial Planners analyse your complete financial picture.
- In-depth cashflow and tax analysis
- A clear report you can keep
- Specific, personal recommendations
- 4
Step 4
Live your life with confidence
Your plan stays with you and you can keep coming back to review it. If you need more comprehensive advice, for instance managing pensions or ISA monies, we offer a flat monthly retainer service.
- Investment management when you need it
- What-if scenario modelling
- Ongoing support from your team
Start with the free health check
About five minutes. Your score and priorities before you talk to anyone.
Cashflow planning
How can we help you plan your life?
Watch how we plan for Standard Life employees at every stage of their career.
Early career
How cashflow planning helps early-career Standard Life employees build a strong financial foundation.
Mid career
Planning for mid-career employees with growing families, mortgages and pension decisions.
Early retirement + final salary pension
How we plan for early retirement with final salary pension benefits.
Your advisers
Meet your Altor team
Chartered Financial Planners dedicated to helping Standard Life employees achieve financial freedom.
Our full team includes paraplanners, administrators and support staff, all dedicated to your financial success.
Get in touchTrust and credentials
We do not do
lip service.
Most firms talk about ethics. We have earned the credentials to prove it: independently verified, externally assessed.
- FCA regulated
- No. 769033
- Registered in England
- OC415262
- Fixed fee advice
- No percentage charges
- Not for sale
- Partnership structure
“We believe that an adviser who recommends their company's own investment solution is not independent. We recommend external solutions from a wide range and often blend several to suit our clients.”
Altor Wealth
Insights
Latest thinking
Contact us
Get in touch.
Have questions about your Standard Life benefits? Contact our team for personalised guidance and expert financial planning support.
- Expert guidance from Chartered Financial Planners
- Deep understanding of Standard Life benefits
- Clear, fixed fee, no percentage charges
- Stress-tested plans across dozens of scenarios
Send us a message
Personalised Standard Life benefit guidance and financial planning support.