Corporate Services

Company Pensions

We have corporate specialists who can advise businesses on current and impending regulation with regard to pension provision for your staff.

There are major legislative changes due to be implemented in 2012 that will impact on all employers, affecting company cash-flow, and ultimately net profit. Every employer needs to be prepared for these changes.

Pensions Auto-Enrolment and NEST

With an increasing number of people living to enjoy a long retirement, the government is making a concerted effort to address the pension gap with major changes to pension legislation in Oct 2012.

Role of the employer

If you’re an employer, you’ll have to offer a qualifying pension scheme to all employees and contribute up to 3% into that scheme. The 3% that you contribute will be matched with 4% by the employee and a further 1% being made up by tax relief on the pension contributions. This will be spread out over a 3 year period.

The size of your company will determine when your staging dates begin, so if you’re unaware of this please speak to your Financial Adviser now.

For the latest Information go to Auto-enrolment latest update or contact one of our corporate specialists:-

Stakeholder Pensions

Currently, employers are obliged to offer Stakeholder Pensions if they have more than 5 staff members and any are earning more than the lower earnings Limit.

Otherwise they must offer a "Prescribed Alternative"

Help is on Hand

• We will discuss with you the best route to take
• We will meet with employees to present the Pension Opportunity
• We will implement the scheme
• We will support your finance and payroll staff in their responsibilities
• We will offer regular financial advice surgeries for all staff members

Directors Pensions

Arrangements aimed at owners/directors provide opportunities to substantially reduce tax liabilities, and subject to certain rules, allows money to be invested on behalf of owners/directors for their longer term individual benefit in a creditor protected, tax advantageous environment. These arrangements can include

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• Self Invested Personal Pension
  ( SIPPs)
• Small Self Administered Scheme
  (SSASs)

Each has its own distinct advantages, but both include the option to invest in the shares of an employing company, to purchase commercial premises that may or may not be leased by the employing company, to invest in either collective investments through investment houses and insurance companies, and hold directly listed shares and equities.

The value of the investment can go down as well as up and you may not get back as much as you put in.