• Offering easy and personal access for all advisers by direct dial contact to named account managers.
• In 2023, we presented to around 10,000 financial advisers on the retirement planning environment in our business development program of workshops, webinars and presentations, including collaborative events with some of the UK’s leading adviser organisations.
• Delivered efficiencies through digitalised processes, offering choices for working with Just; helping to free up advisers' time to spend with clients.
• Continued commitment to the five-star rated service that advisers and their clients expect of us, through seamless hybrid working practices and reactive solutions in challenging times.
• Giving satisfaction through extended rates for clients on occasions where service has been impacted.
• Helping advisers serve more clients by offering an extension to their business model under our referral service provided by HUB Financial Solutions.

• Helpful resources and practical tools to support advisers developing their frameworks to help identify and support clients in vulnerable circumstances. Examples include; Virtual Dementia Friends sessions, Client Wellbeing Questionnaire, Vulnerability Matters Guide and Vulnerability in Retirement Guide.
• Online training and 60 minutes' CPD to help financial intermediary staff at all levels understand and respond to clients who may be in vulnerable situations. The Consumer Vulnerability in Later Life training provided by Just, with content created by SOLLA, has been completed over 16,000 times. Refreshed annually, the module was identified by the FCA in their FG 21/1 paper as an example of good practice that could help people improve their skills and capability.
• Market leading initiative - the Just Group Vulnerable Customer Awards. The UK's only awards to recognise the outstanding efforts our financial services industry goes to, to support their clients in vulnerable circumstances. In 2023, independent judge, Dr Chris Fitch, Research Fellow at the University of Bristol and Vulnerability Lead at The Money Advice Trust, said: "Passion, impact, and innovation were the hallmarks of both the winning entries and judging process – it was an education and an honour to be part of it."
  
  

Our commitment to helping advisers deliver individually personalised solutions for their clients will continue evolving around:

• Being the trusted home of good service with continuous improvements.
• Providing an annuity 'click and apply' (end-to-end quote and apply) functionality, resulting in a 24/7 business model and giving advisers more time to spend with their clients.
• Continue with dedicated account management contacts for all advisers.
• Digitalising our processes and delivering efficiencies so advisers can offer clients more advice.
• Continued commitment to a highly relevant learning and development programme designed to meet the varied and ongoing professional development needs of advisers at a time that suits you - live or on-demand.
• Continue to strive for excellence in vulnerability matters.
• Unrivalled underwriting and personalised solutions.