Case Study: Alliance Trust Savings improves D2C retirement decision-making with Dunstan Thomas Imago Tools

Alliance Trust Savings selects Dunstan Thomas Imago toolset to aid D2C retirement decision-making in response to Pension Freedoms.

Alliance Trust selected Dunstan Thomas and its Imago Tools toolset (integrated with the Imago Front Office calculation engine) to support its direct‑to‑consumer platform after the Pension Freedoms change. The challenge was to help consumers facing more complex pre‑ and at‑retirement choices by providing clear, personalised guidance on how much to save and how to blend income sources in retirement.

Dunstan Thomas deployed three Imago Tools modules—Imago Tools Savings (pre‑retirement savings modelling), Imago Tools At‑Retirement (blending drawdown, annuity and State Pension with tax adjustments) and a Contribution Analysis tool for ISA funding—configured to reflect specific asset charges and growth assumptions. The three‑module rollout gave Alliance Trust clearer, more accurate customer projections and decision support, improving customer insight into retirement options and proving popular with platform providers.

Alliance Trust

Sara Wilson

Platforms Director