Employee benefits, pensions and risk benefits

We advise on, setup and administer staff pension schemes, including legacy executive arrangements, trusts and pension consolidations.

We also have wide experience of schemes for successful entrepreneurs and family businesses, which often require carefully crafted solutions due to the involvement of commercial property, loans and investment portfolios.

Hand in hand with pensions, we can also advise you on all aspects of employee benefits such as group life assurance, income protection plans, critical illness insurance, salary exchange, private medical and dental cover, and health cash plans.

Who do we work with?

We work with a wide range of companies and partnerships from all business sectors. Typically our clients have between 10 and 1000 employees although we have undertaken projects for larger businesses.

In many cases our clients do not have an in-house employee benefit specialist so we work alongside their HR team providing employee benefit manager support.

Who should you contact for more information?

Hanover Director and Consulting Actuary (London) Robert Young.

Employee Benefits Consultant (Cardiff and Bristol) Graham Smithson.


Hanover Employee Benefits Limited is an appointed representative of Culver Financial Management Limited which is authorised and regulated by the Financial Conduct Authority No. 114852. Hanover Employee Benefits Limited is registered in England and Wales with number 02136651. Culver Financial Management Limited is registered in England and Wales with number 01157569. The Financial Conduct Authority does not regulate tax advice or trusts. The value of investments can fall as well as rise. You may not get back what you invest.The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren’t able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk.