Group pensions
We can provide a comprehensive service to group money purchase schemes that are current operating of advise on establishing and operation of a new scheme. Depending on the contribution level the employees may benefit from a group occupational money purchase scheme where benefits can be taken predominantly as tax fee cash or a group personal pension or stakeholder.

For individuals, our holistic retirement planning service to these employees makes the company pension scheme personal to them. By fixing their intended retirement date, ideal proportion of current salary as an income, attitude to investment risk, and expected other assets that can contribute to retirement planning such as other pensions, capital from property and inheritance, it is possible to determine the shortfall (if any) and the extra amount required to be invested to the company money purchase scheme.

It is possible for the company to operate a combination of schemes to suit various groups of employees depending on the likely annual contributions. We can advise the company regarding the various pension options given the type of business activity such as office or manufacturing companies or the needs of the employees such an workers and managerial.

Group life
For group life insurance our service is designed to source the whole market for the best rate on an annual basis. This applied whether the scheme is applying for group life insurance for the first time or re-broking of existing cover.

Life cover is an important benefit for your employee's family in the event of death and can be provided at a relatively low cost as a fixed amount for each employee or as a multiple of salary. The cover provided can be guaranteed for one or two years, however, it is always worth conducting a re-broking exercise each year as rates may have become more competitive.

Group permanent health insurance
For group permanent health insurance (PHI) our service is designed to source the whole market for the best rate on an annual basis. This applied whether the scheme is applying for group life insurance for the first time or re-broking of existing cover. PHI is an important benefit for your employee and can be used as a benefit for all employees or select groups of employees.

It provides an income to the employee and their family in the event of illness and accident and reduces the company's exposure to paying a salary to absent employees. The cover provided can be guaranteed for one or two years, however, it is always worth conducting a re-broking exercise each year as rates may have become more competitive.


Director SSAS
Our partner firm services to a SSAS is to assist the trustees in maintaining the SSAS including compliance, regulatory and funding requirements. In addition for the directors of the SSAS to actively reviewed and ensure it continues to meet the needs of the members retirement objects. By charging an annual fee payable quarterly in advance this service will be cost effective for SSAS schemes where the assets are valued at £300,000 or above with regular contributions of £30,000 per annum or more.

In particular our partner firm can assist the directors in taking advantage of using a SSAS for corporation tax relief and pre-retirement planning to maximise tax free cash. The regular ongoing advice for a SSAS will therefore benefit both the sponsoring company and members of the scheme.

Employee annuity
Our partner firm service is for the human resource manager, finance director or pension trustee of a company money purchase scheme. Rather than conduct your own research, our free broking service is designed to find the most competitive provider for each employee whether they qualify for a standard, enhanced or impaired health annuity.

When your employee decides to proceed with the highest quote, our partner firm will then manage the administration between providers and ensure that the annuity is established on the basis required by your employee. This process reduces the cost to the employer and adds a valuable benefit for the company's employees.The annuity provider pays our remuneration and this cost is incorporated in the annuity product.

Pension transfer
Our partner firm provide a service for people that want to transfer from their existing occupational pension scheme (such as final salary or money purchase) or private pension (such as retirement annuity or personal pension). The reason for this is usually poor financial strength or fund performance with ten or more years before retirement.

Our partner firm service will advice on the merits of transferring and the potential benefits that could be lost as well as recommend a suitable pension arrangement, provider and funds in relation to your attitude to investment risk and duration to retirement.