Welcome to Nucleus
The award winning adviser-owned wrap platform
Nucleus is used by financial advisers who want to create better investment outcomes for their clients
Who are we?
Nucleus is a wrap platform specialist. Our platform allows you to hold your pensions, Isas and other investments all in one, secure, online place. We offer you an independent choice of investments and complete control and transparency over what’s going on with your money.
We’re the only independent, adviser-owned platform in the UK, which means your adviser has a direct say in how the platform is developed. This means everything we do is designed to support them so they can create a financial plan that better suits you.
We launched in 2006 and in that short time we’ve become a well established company, now looking after over £10bn of peoples’ money.
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.
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.
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.
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.
We offer an unbiased and extensive choice of investments. There are no one-size-fits-all outcomes on Nucleus. You can choose from over 6,500 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.
General (Gross) account
Similar to the general account, but investments within it grow without tax deducted at source.
Nucleus Onshore Bond account
This is an investment-linked whole of life assurance policy, issued by Sanlam Life & Pensions UK Limited.
Nucleus Offshore Bond
The Nucleus Offshore Bond is a tax-efficient savings vehicle provided by RL360°.
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 0.15%. 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.
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 9535.