Financial Adviser Services

Business Financial Planning

Corporate financial planning is about far more than arranging employee benefits and pensions. It involves making certain you've taken all the right measures to be in the best position to achieve your business goals and the necessary steps to protect your business.

The Financial Conduct Authority may not regulate some areas of commercial financial planning

Business Protection

If you own your own business you will need to consider what might happen if you or a key employee became ill and were unable to work? Or if you or a key employee died? Business protection can ensure your company can continue to operate no matter what eventualities may occur.

The plan will have no cash value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Employee Benefits

Looking after your employees will assist you in both recruiting and retaining high calibre members of staff. We invest time in getting to know your business goals in order to advise you on the most suitable employee benefits that will fit together with your business plans before we make a recommendation.

Solutions could include: Flexible benefits, pensions, death in service, group income protection insurance, group critical illness cover or group private medical insurance.

We would be happy to recommend suitable plans for you and your employees either for a range of benefits or focusing on one area.

Directors' Pensions

Pensions remain one of the most tax-efficient ways for business owners and company directors to save for their retirement.

Any Company contributions will normally receive Corporation tax relief whilst you will receive tax relief at your highest marginal rate on any personal contributions (subject to certain limits).

A pension can be a way of extracting business profits tax-efficiently for the benefit of a director or business owner.

This will grow free from most taxation, provide a tax-free lump sum and an income afterwards, when you decide to retire or take the benefits.

A pension is a long term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax leglisation.

Auto Enrolment

We can advise companies on Auto Enrolment.

Automatic Enrolment is the new pension reform that has been introduced by the Government.

It's a fairly new law which states that every employer must automatically enroll workers into a workplace pension scheme if they:

  • are aged between 22 and State Pension age
  • earn more than £10,000 a year
  • work in the UK

This does mean you will need to offer a workplace pension to any employee who is aged between 22 and State pension age and with earnings above a lower limit. You will also be obliged to make pension contributions on their behalf.

We can advise whether any current schemes you have in place meet the new rules or must be altered. If you don't currently offer a pension, we can also recommend a suitable scheme.

A pension is a long term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax leglisation.

Auto enrolment advice to employers is not regulated by the Financial Conduct Authority.

The Pensions Regulator is the statutory regulator for workplace pensions.

Corporate Investment

Advice that helps you achieve your business goals

A good corporate investment strategy can assist you in protecting your interests - commercial and personal - for the long term; maximising investment opportunities and capitalising on optimised management of your revenue streams.

We can help you with making investments to achieve either personal or business objectives and can offer corporate investment advice on a range of subjects - from pensions to long term pension planning.

Come and talk to us about how we can provide advice tailored to your particular circumstances.

The value of investments and income from them may go down. You may not get back the original amount invested.