Please be aware of the following pre-requisites before you commence this process:

• To open a Joint GIA both clients/owners of the Joint GIA need to have been created and to show an active or pending status. See here for how to add a new client to the platform.
• A pair of clients, can have as many joint sub-accounts as they like, but they have to be with the same person. So if Client A opens a joint account with Client B, Client A cannot then open a joint account with Client C as well.
• Joint account holders have to have the same adviser as one another in order to hold the account together.
• Lastly, when creating a Joint GIA, you have to choose a ‘Lead’ client. This is the person whose bank details will be associated with the Joint GIA. This means that if withdrawal is taken from the platform, the proceeds will be paid out to the bank account that belongs to the lead client, i.e. the account that’s linked to their client record on the platform.

Once your clients have been created and are showing the correct status, log in to the Adviser Portal and locate the correct client by using the search bar in the top right hand corner, or via the 'Clients' tab.

Within the client record, select 'Create new account'

Create an appropriate name for the account, choose GIA as the 'Wrapper type' and select 'Yes' for the jointly owned GIA

Add the second client by using the search box and select the 'Lead owner' for the account 

The Lead Clients bank account details will then be used for this joint account, however, both clients will receive the declaration to accept and have full view of the account details in the client portal.

Enter all of the relevant details for the 'Investment strategy' and 'Adviser fees' 

After all of the required information has been entered, click 'Review'.

If any changes need to be made select 'Edit' to make these amendments, then proceed with 'Submit'  

When the client logs in to the client portal, there will be a notification of the new account and prompting them to accept the Joint GIA declaration

Both parties must accept the declaration before the account can be made Active. Both clients can then view the Joint GIA within the client portal via their individual login, as shown below.