CIP & CRP — centralised investment and retirement propositions for UK IFAs

CIP & CRP — the proposition every firm runs, even if it isn't written down

A centralised investment proposition (and its decumulation counterpart, the CRP) is the firm-wide framework for how a firm advises clients in defined segments. Most IFA firms have one in practice. The work is making it explicit, defensible under Consumer Duty, and consistent across the client book. This is the Wealth Analytica pillar on that work.

The CIP/CRP pillar gathers the practical material on building, running and reviewing your firm's investment proposition. The pieces are written by Eliot Jones, a practising wealth manager, and reviewed by Matthew Hull, CFA — both Co-Chief Commercial Officers at Wealth Analytica. The pillar is anchored on FCA primary sources (TR16/1, PS22/9, PROD 4, COBS 9.4, FG21/1) and updated as the supervisory position moves.

CIP design and governance

Sub-hub →

What a CIP is, how to build one, and what an FCA-defensible CIP actually looks like at the documentation level.

CRP and decumulation

Sub-hub →

Centralised retirement propositions, drawdown strategy, sequence-of-returns risk and the safe withdrawal rate question for UK clients.

CRP and decumulation strategy

Suitability and ongoing reviews

The downstream work — how the CIP/CRP shows up in suitability reports and in the annual ongoing-review file.

Where this pillar is going

The next pieces in this pillar cover MPS due-diligence frameworks, the Consumer Duty fair-value assessment for in-house propositions, and worked CRP transition examples for clients moving from accumulation into drawdown. If you're building or rebuilding your CIP and there's a question you wish a piece existed on, we'd value the prompt — drop us a note via contact.