Family linking can be completed directly in the front end platform, for both platform and adviser fees, using 'Client Groups'. By combining the assets of the group, clients can benefit from lower platform and/or adviser fees than if they were charged on an individual basis.

Please note that minors (JISA clients) are already linked to the parent record so family linking is effectively already in place for them. Therefore you will not be able to add a child record to a Client Group. Upon graduation, you would need to add the new parent record to the Client Group.

One client cannot belong to more than one Client Group and the relevant client accounts must be in active status.

The rules for family linking with regards to platform fees are as follows:

• No more than 10 entities to be linked.
• Grandparents, parents, parents-in-law (including step), spouse/civil partner, brother, sister, children (including step or adopted) or grandchildren of the client can be linked.
• Corporate accounts where the business is fully owned by the family can be linked.
• Trusts where the investor or any of the above are the settlor of the trust can be linked.
• Third party accounts where the investor or any of the above are the member can be linked.
• Nieces, nephews, cousins, aunties/uncles are excluded.

We will not seek proof as part the process to link platform fees: however we reserve the right to ask for following risk based monitoring.

See here for the full process on setting up and managing family groups; Setting up Family Linking