Producing some of the best product technical support in the industry. Our fully equipped, top of the range technical studio mixes all pensions, taxation, trusts and investments information perfectly.

Our skilled product technicians have over 65 years' experience, giving you the expertise you want, first time around.

We aim to make the complex simple by taking rafts of technical legislation and regulations on pensions, investment bonds and investments, and translating them into simple bite-size pieces which are easy to understand. We know you need be able to find the right up-to-the-minute technical information quickly and simply so we have put together a suite of tools to help you do just that - whether that’s factsheets, case studies, and videos, as well as face-to-face presentations.

Attack of the acronyms!

We've had RDR, UCITS V, FAMR, PRIIPs, KIIDs and MIFID... Now prepare for GDPR!

The General Data Protection Regulation (GDPR) is a new European privacy regulation. It's aimed at strengthening and aligning protection of personal data of all European residents. It comes into force across Europe from May 25 2018. Download our white paper before its too late.

Pensions and Scottish rates of income tax

In depth: defined benefit transfer advice

Nucleus hosted an illuminate roundtable debate in late November 2017 to discuss the DB transfer market and how advisers should approach DB transfer advice. The panel consisted of:

  • Claire Trott, head of pensions strategy, Technical Connection
  • Tim Eadon, Director, Tuto Associates
  • Matthew Connell, Director of policy and engagement, Personal Finance Society
  • Rachel Vahey, Product technical manager, Nucleus
  • Mike Seddon, Managing director, Grayside Financial Services

Autumn budget 2017

Autumn budget Illuminate articles

Autumn statement Illuminate articles coming every day this week

MiFID II… second album syndrome or regulatory game changer?

With MiFID II (Markets in Financial Instruments Directive II) we are beginning to see a flurry of activity across the industry. We will be using all areas of Illuminate to keep you as up to date as possible on all things MiFID II.

Product wrappers


The pace of change for pensions never slows. Our technical team are here to break down the complex rules into simple bite-size pieces making pension legislation easy to understand.


With the rules for Isas growing ever more complicated, with new types of Isa and new features, our technical team are here to help you navigate the maze of rules.


Understanding the complex rules for on-shore and off-shore investment bonds and how they integrate with UK tax is essential. Our technical team are here to give you the low-down on the full range of investment bonds and the advantages they may offer your clients.

Product technical team


Traceyann Kneen – senior product technical manager

Tracyann is a senior product technical manager at Nucleus. She is a tax, trust and product technical specialist. Her role at Nucleus includes providing technical expertise, particularly in the areas of bonds and trusts, across the business. She also enjoys delivering technical training within the business and to advisers, as well as writing on technical matters.


Rachel Vahey – product technical manager

Rachel is a product technical manager at Nucleus where she delivers technical training to users of the platform and, also provides technical expertise in the form of factsheets, blogs and other content. She also has a policy role working with government, regulators, industry bodies and advisers. She has over 20 years’ experience of working in pensions. She’s well known within the pensions industry, and writes, presents and tweets widely on the subject. All of which she thoroughly enjoys.


Jon Gwinnett – product technical manager

Jon is product technical manager at Nucleus and supports the customer relations and wrap operations teams on pension matters, maintains oversight of third party pensions processes and assesses the legislative changes in the marketplace.


Andrew Masson – product technician

Andrew is our newest product technician, having joined us from our CRM area and showcasing Nucleus internal progression! He works across a range of wrappers and provides assistance to advisers, our client relations team and other Nucleus teams across all our wrapper types, and hopes that some of the knowledge of our resident gurus will rub off on him.

Illuminate technical live

Sometimes reading about legislative and regulatory developments just isn’t enough. Our technical team regularly go on the road to meet up with you to give you the low-down on what developments are just around the corner, and how breaking down the technical detail can help you and your clients plan for their future.

“In our industry having the right technical information at your finger tips is a must. The Illuminate Hub already offers the opportunity to assemble knowledge and share information about developing a business. We wanted to build upon this to give financial advisers and paraplanners access to a mass of technical information that’s easy to navigate and understand.

Illuminate Technical is packed full of technical support – factsheets, case studies, videos – all designed to help you understand the technical details of pensions and savings. Because this is the kind of granularity you need to help your clients plan their future.”

David Ferguson, founder and CEO


This section discusses the rules when pension scheme members die.
This section discusses how much individuals can pay into pensions and receive tax relief.
This section discusses how much individuals can withdraw from their pensions and the protections introduced.
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    The lifetime allowance

    An overview of the rules of how much an individual can withdraw from their pension schemes

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    Enhanced and primary protections

    Primary and enhanced protection were introduced in 2006 to help individuals protect their benefits from the new lifetime allowance

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    Protections from 2012

    Fixed and individual protections were introduced to help individuals protect their benefits from falls in the lifetime allowance

From age 55, individuals can withdraw as much of their pension benefits as they want, whenever they want.
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    Pensions and divorce

    A summary of the three options on how to treat pensions on divorce

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    Flexi-access drawdown

    This option allows individuals to take their pension commencement lump sums and keep their remaining funds invested

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    Flexi-access drawdown – case study

    Case study of how flexi-access drawdown could work in practice

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    Tax on lump sum pension payments

    If pension providers don’t have a tax code for an individual, any lump sum payments will be subject to ‘emergency tax’ rates

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    This factsheet examines how the pension freedom rules change the options for annuities

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    Ill health and early retirement

    This factsheet examines the options people have to take some or all of their pension benefits when they need to stop working due to ill health

State pensions are an important part of clients’ pension planning.
This section discusses the rules for pensions transfers



There are key differences between onshore and offshore bonds, meaning they may be more appropriate for different types of investor.
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    Offshore vs onshore

    There are key differences between onshore and offshore bonds, meaning they may be more appropriate for different types of investor

Have you seen illuminate online?

Illuminate online is designed to help you build and share knowledge in areas that are vital to the successful development of your businesses. The online hub is updated daily and includes interactive, motivational learning materials across articles, videos, white papers and events written and shared by experts from across the industry. Contributors include Carl Richards, Lucian Camp, Abraham Okusanya, Mark Polson, Pete Matthew, Steve Bee, Bridget Greenwood, Phil Billingham and many more. You could be one of them.