Welcome to Nucleus
The award winning adviser-built wrap platform
Nucleus is used by financial advisers who want to create better investment outcomes for their clients
Who are we?
Nucleus is an award winning online wrap platform, launched in 2006 by a group of seven financial adviser firms who set out to create a platform with a difference. They created a new model, putting the adviser and client at the heart of the process, focusing on a client-aligned approach rather than a product-led one, to develop a platform that was committed to transparency and banishing complexity.
Today we work with over 800 adviser firms and continue to be driven by advisers – we work closely with you to develop a platform that meets your needs. This means you’re free to develop tailored solutions for your clients, and have greater control over your investment strategy and your business.
At 30 September 2018
£14.7bn
assets under administration
adviser firms
clients
What we do
Nucleus allows you to combine all your investments into a single manageable online account. This means you can benefit from one consistent approach across all tax wrappers. And instead of having to keep tabs on different investments in different places, with different statements coming in at different times, you can see how your investments are progressing at a glance.
Independence
We are the only wrap platform majority-owned by financial advisers. Being adviser-owned means your adviser has a direct say in how the platform works. This means we design the platform for your benefit, giving you even more control over your investment.
Control
Your adviser has full online access to manage your account, monitor how your portfolio is performing and make sure it’s invested in the right place. We also ensure you have online access so you can keep track of your account at all times.
Transparency
When we set up the business we were clear that transparency would be key to everything we did. There are no hidden charges with Nucleus. All of our fees are fully disclosed up front and you can be assured there will be no surprises along the way.
Choice
We offer an unbiased and extensive choice of investments. There are no one-size-fits-all outcomes on Nucleus. You can choose from over 6,000 different assets including funds, equities, investment trusts, gilts, bonds, fixed term deposits and cash.
“We started with a wee idea – to use transparency and technology to help financial advisers create better client outcomes. Transparency and customer respect is at the heart of our business. Advisers can see everything in one place, which means they’re better able to judge how clients should invest their money and plan their life.”
David Ferguson, founder and CEO
Our range of accounts
The Nucleus Pension account
We provide a flexible self invested personal pension that you can adapt to suit your specific life stage.
Nucleus Isa account
The Nucleus Isa account is a tax-efficient stocks and shares savings account.
Nucleus General account
The Nucleus General account allows you to hold unlimited contributions and a wide range of assets in one account.
Nucleus Onshore Bond account
This is an investment-linked whole of life assurance policy, issued by Sanlam Life & Pensions UK Limited.
Nucleus Offshore Bond account
The Nucleus Offshore Bond is a tax-efficient savings vehicle provided by RL360°.
Nucleus Jisa account (coming soon)
The Nucleus Jisa account is a stocks and shares Junior Isa, providing a tax-efficient investment solution for children under 18.
Our charges
Nucleus is completely open – with no hidden charges on accounts or dealing. Our charging structure is simple and transparent and starts from 0.35%, with tiering for large cases to 0.05%. Unlike other wrap platforms, we won’t charge you for transferring money, moving into drawdown, or for day-to-day trading of funds.
A bit more about us
How we started
Nucleus was created in 2006 by a group of seven financial adviser firms who saw that pensions and investment products weren’t as flexible as they could be. They created an independent platform that allows your adviser to choose from a wide range of assets instead a narrow choice of inhouse funds. This means that rather than a ‘one-size-fits-all’ approach, your adviser can create a truly personal financial plan that suits you now, and in the future.
Your security
We are authorised and regulated by the Financial Conduct Authority (FCA). In line with the FCA’s rules, we hold your assets in separate accounts and investments. This means they’re completely independent from Nucleus and therefore protected from anything that might happen to us as a company. Your online account is also completely secure. We’ll never send you emails asking for confidential information such as your password.
Some of our awards
“This is unbelievable customer service. I cannot thank you enough! Regards from one very happy customer. Great job.”
Andy Eggleston, Nucleus client
Find out more
Your adviser is the best person to ask for more information about Nucleus, but of course you can also talk to us too. We’re around from Monday-Friday from 8.30am-5.30pm, but if you leave a message outside these hours we’ll get straight back to you. Please phone us on 0131 226 9800.
Chat with us on social media
We can be pretty opinionated about the industry, so it’s fair to say we’re excitable members of the Twitterati. Join the conversation! Even if you’d prefer to listen, Twitter is a great place to find out first hand what we’re up to – follow us @Nucleuswrap.
If Twitter were a bubbly pre-teen then our LinkedIn page could be its sensible uncle. We don’t want uncle to miss out though, so we post there too. Whether it’s content from illuminate online, or industry issues that we’d like to get your opinion on.
YouTube
We’re not camera shy at Nucleus! Whether it’s giving you the lowdown on the latest pensions changes, sharing highlights of our events, or to let job seekers find out more about upcoming vacancies. Take a look at Nucleus on film, but remember, the camera adds 10 pounds!
Words are all very well but sometimes a nicely filtered picture can paint a thousand of them. If you track us down on Instagram you’ll get a more in-depth look at our latest events, our current white paper release, and what we’re doing to raise money for our charity partner.