Pensions and employee benefits
We advise on, help you setup and administer staff pension schemes, including legacy URBS and FURBS arrangements, trusts and pension consolidations.
We also have wide experience of schemes for successful entrepreneurs and family offices, 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 life insurance, income protection plans, critical illness insurance, salary exchange, private medical and dental cover, and health cash plans.
Actuarial
We advise on a range of issues, ranging from the basic to the highly complex. We know most schemes are keen to minimise liabilities and have a clear oversight of risk.
We can undertake most of the actuarial work that a defined benefit pension scheme may need, and pride ourselves on bringing a straightforward and pragmatic approach to the process.
We’re equipped to prepare bespoke models for complex situations and extend our reports to include consideration of all financial aspects.
SSAS
SSAS is a small employer established pension scheme registered for tax relief by HMRC.
They are usually set up for directors/owners of small to medium size business and their family members.
Members are trustees, so retain control over the pension fund.
A SSAS is very flexible in terms of what you can invest in and what benefits can be paid.
SSAS are similar to a Self Invested Personal Pension (SIPP), but as they have a wider class of available assets and no over-ruling provider, SSAS are more appealing for those who are looking for a bespoke pension arrangement rather than an off the shelf one that might not suit their needs.
Asset management
We provide you with investment advice and ongoing investment management which is tailored to your long term financial goals. We can also offer arrangements for inheritance tax planning, life and income protection insurances.
Life cover
We can advise you on life cover whatever your circumstances. For some clients that could mean covering an outstanding mortgage, for others it could be to ensure provisions are in place to look after their dependents or business partners.