Transfer & Onboarding Process Guides
Step-by-step guidance for advisers on client onboarding, pension transfers, and account administration.
Our approach to transfers
Invinitive aims to make the transfer and onboarding process as straightforward and transparent as possible, both for advisers and their clients.
We provide clear documentation, dedicated support, and structured processes to help ensure transfers are completed smoothly and in line with regulatory expectations.
Invinitive is now part of the Origo Transfer Service community. For eligible in-scope transfers where both schemes are able to use Origo, this can support a more connected electronic process. Other transfers may still follow a manual route depending on the provider, asset type, and scheme requirements.
Not sure whether your current provider can use Origo? Ask the ceding provider to confirm whether the transfer can be processed through Origo Transfer Service and whether the scheme is eligible for electronic transfer.
Typical transfer journey
Account opening
Client completes digital account application with identity verification and regulatory checks.
Typical timeframe: 1-3 business days (subject to verification)
Transfer instruction
Transfer authority forms completed by client and submitted to ceding provider. Invinitive handles communication with the ceding scheme.
Client's responsibility: Authorize transfer with current provider
Transfer processing
Assets transferred (cash or in-specie) in accordance with regulatory timelines. Invinitive monitors progress and keeps clients and advisers informed.
Typical timeframe: Varies by ceding provider (regulatory expectation: within 30 days)
Receipt and confirmation
Assets received into Invinitive account. Client and adviser notified. Ready for investment instructions.
Platform now active for dealing and ongoing administration
Transfer types supported
Cash transfers
Assets liquidated by ceding provider and transferred as cash. Client then instructs new investments on the Invinitive platform.
Most common transfer type. No disruption to custody arrangements during transit.
In-specie transfers
Existing holdings transferred directly without liquidation, subject to asset compatibility and custodian acceptance.
Available for standard listed assets. Reduces market exposure during transfer period.
Adviser support during transfers
Dedicated onboarding contact for adviser firms
Regular transfer status updates
Clear documentation and forms
Assistance with ceding provider queries
UK-based support team available during business hours
Documentation typically required
From the client
- • Account application form
- • Proof of identity (KYC documentation)
- • Proof of address
- • Transfer authority / discharge form
- • Transfer out forms (from ceding provider)
- • Source of Wealth (SOW) documentation
- • Source of Funds (SOF) documentation
- • Recent valuation statements
From the adviser
- • Adviser firm details (if not already onboarded)
- • KYC documentation (if required)
- • Transfer out forms (where applicable)
- • Source of Wealth (SOW) documentation
- • Source of Funds (SOF) documentation
- • Valuation statements
- • Confirmation of advice given (where applicable)
- • Investment instructions (post-transfer)
Common transfer scenarios
UK pension consolidation (SIPP to SIPP)
Combining multiple UK pensions into one Invinitive SIPP for simplified management and reporting.
ISA transfer
Moving existing ISA assets to Invinitive while preserving tax-advantaged status (current and prior year subscriptions).
International SIPP for non-UK residents
Transferring UK pension assets for clients living abroad, subject to eligibility and regulatory rules.
Investment Account (GIA) setup
Opening a new unwrapped account with direct funding or re-registration of existing holdings.
Transfer timelines
Transfer timelines depend on the ceding provider and the type of transfer. Regulatory guidance expects pension transfers to complete within 30 days of receipt of all required information.
Invinitive monitors progress and escalates any delays with ceding providers to help ensure timely completion.
Ready to start onboarding clients?
Contact our adviser team for detailed onboarding documentation and transfer process guides.