Exclusive for Phoenix Life EmployeesYour Financial
Future,
Simplified.
Expert guidance from Chartered Financial Planners who understand your Phoenix benefits inside out. Standard Life Mastertrust pension, legacy Phoenix pensions, SAYE, SIP, and beyond — all in one place.
You can create an account here and access lots of free financial guidance from us and calculators to help you work out your financial future.
Potential pension contribution matching
Monte Carlo stress testing your plan
Top100 adviser
Plan sustainability across all scenarios
Your Benefits
Maximised,
Not Missed.
Most employees leave money on the table.
Phoenix 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 MyChoice 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 108 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
Retirement Countdown
Based on your current plan
0
Years
0
Months
0
Days
Monthly income at retirement
£0/mo
How Phoenix 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 Phoenix 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.
- Phoenix specific financial calculators
- Information about Phoenix savings plans
- Risk assessment included
Step 01
Get your personalised plan
Opt into our MyChoice salary sacrifice advice option. For a very low monthly cost after tax relief, Our Chartered Financial Planners analyse your complete 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
Phoenix ExpertiseWe Know Phoenix
Inside Out
Unlike generic advisers, we've spent years understanding Phoenix Life's unique benefits package. We know the deadlines, the options, and the hidden opportunities that most employees miss.
MyChoices 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 Phoenix 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 Phoenix package can be worth significantly more than your headline salary suggests.
Matt Pitcher
Managing Partner, Chartered Financial Planner
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
“Matt's approach is refreshingly different. No pressure, just clear explanations and sensible recommendations. I finally feel confident about my retirement plan.”
S.H.
of Surrey
“After years of feeling overwhelmed by financial decisions, Altor gave me clarity and a plan I can actually follow. The fixed fee model means I never worry about asking questions.”
T.M.
of Kent
Meet Your
Altor Team
Chartered Financial Planners dedicated to helping Phoenix 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
£300 net
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
Ready to Take
Control?
Join hundreds of Phoenix employees who've already started their journey to financial clarity. Your future self will thank you.
- Expert guidance from Chartered Financial Planners
- Deep understanding of Phoenix benefits
- Clear, fixed fee — no percentage charges
- Stress-tested plans across 108 scenarios
Stay Informed
Get weekly financial tips, Phoenix benefit updates, and early access to new features.
