Your Financial Future, Simplified.
Expert guidance from Chartered Financial Planners who understand your Standard Life benefits inside out. Mastertrust pension, legacy Phoenix pensions, SAYE, SIP, and beyond - all in one place.
Get in touch to find out how we can help you make the most of your Standard Life benefits and plan for the future you deserve.
Potential pension contribution matching
Named in the Financial Times Top 100
Every plan tested across dozens of scenarios
Working with Standard Life employees
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's easy to miss out on thousands in free money.
We know your benefits options inside out. From pension matching and salary sacrifice to SAYE schemes and Share Incentive Plans - we help you capture every benefit.
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.
Wars, recessions, crashes - our Monte Carlo simulations show you how your plan holds up in the worst conditions. So you can retire with confidence, not anxiety.
See Your Future
In High Definition
Our advanced modelling tools let you visualise your financial future and test different scenarios before making decisions.
Lifetime Cashflow Projection
Portfolio value over time
Today
£0
At Retirement (58)
£0
Peak Value
£0
Illustrative example only - not a projection or guarantee
Retirement Countdown
Based on your current plan
0
Years
0
Months
0
Days
Monthly income at retirement
£0/mo
How Standard Life x Altor Works
We've made expert financial planning accessible. Get personalised advice in three simple steps.
Tell us about yourself
Complete your financial profile in about 15 minutes. We'll ask about your Standard Life benefits, current savings, goals, and what retirement looks like for you. You will be able to access guidance, resources and an AI coach free of any charge.
- Standard Life specific financial calculators
- Information about Standard Life savings plans
- Risk assessment included
Step 01
Get your personalised plan
Our advice is 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 plan.
- In-depth cashflow and tax analysis
- Clear PDF report you can keep
- Specific recommendations
Step 02
Live your life with confidence
Your login will be maintained for as long as you need it and you can keep coming back to review it. If you find that you need more comprehensive advice, for instance managing your pensions and/or ISA monies then we offer a flat monthly retainer service.
- Advice on a wider range of needs including investment management
- What-if scenario modelling
- Ongoing support when needed
Step 03
Standard Life ExpertiseWe Know Standard Life
Inside Out
Unlike generic advisers, we've spent years understanding Standard Life's unique benefits package. We know the deadlines, the options, and the hidden opportunities that most employees miss.
Flexible Benefits
Navigate the annual enrollment window with expert guidance on healthcare, dental, life insurance, and more.
Pension Contribution Matching
Maximise your employer match - potentially worth 10%+ of your salary in free money every year.
SAYE & Share Schemes
Understand your Save As You Earn options and Share Incentive Plans to build wealth tax-efficiently.
Salary Sacrifice Benefits
Optimise your take-home pay with cycle-to-work, tech schemes, and enhanced pension contributions.
Death in Service & Income Protection
Know exactly what protection you have and identify any gaps that need filling.
We've 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 don't realise they're 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
How can we help you plan your life?
Watch our cashflow planning videos to see how we help Standard Life employees at every stage of their career.
Early Career Cashflow
See how cashflow planning helps early-career Standard Life employees build a strong financial foundation.
Mid-Career Cashflow
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.
What Our Clients Say
Real feedback from real people who've transformed their financial lives with Altor.
“We have been very pleased with the service Jon has provided. Working with Altor has substantially reduced our investment costs and improved our returns.”
K.P.
of Sussex
“Having relied on Matt's advice for nearly 15 years, I have no hesitation in recommending him. His knowledge of the financial services market place is comprehensive and with his help I feel comfortable about the future in spite of the obstacles mounted by HMRC.”
R.W.
of Hampshire
“The first few conversations with Matt were life changing, an epiphany. For the first time I actually felt I had things under control.”
I.W.
of London
“Thank you for putting me in touch with Matt, he was excellent, a real star, and stopped me from potentially making a very bad decision.”
M.B.
of London
Meet Your
Altor Team
Chartered Financial Planners dedicated to helping Standard Life employees achieve financial freedom.
We Don't Do
Lip Service
Most firms talk about ethics. We've earned the credentials to prove it. Independently verified, externally assessed.
Chartered Financial Planner Firm
Achieved Chartered status in 2020 following rigorous review by our Professional body. Chartered firms commit to the highest ethical standards.
B Corporation Certified
We've been through an intensive 12-month assessment to earn B Corp status. We balance profit with purpose, considering all stakeholders.
FT Top 100 Financial Advisers
Named in the Financial Times Top 100 for the fourth year in a row. Independently assessed criteria including client retention and Chartered status.
The Altor Foundation
10% of Altor's gross income goes to our charitable foundation. We've distributed £102,781 to good causes with £138,283 ready to distribute.
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
From Our Blog
Financial guidance, tax tips, and benefit insights written specifically for Standard Life employees by our Chartered Financial Planners.
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
Get in touch for personalised Standard Life benefit guidance and financial planning support.
