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Businesses
Pensions are a tax-efficient way of investing in your employees.
Pension laws require every employer in the UK to help more of their employees save for retirement through auto enrolment.
This means employers must automatically enrol certain employees into a workplace pension scheme and contribute to it. It means more administrative work, but important benefits are available, such as lower tax and National Insurance payments.
Business owners we work with have peace of mind that their legal obligation are fulfilled, their employees have a robust pension, and the business is getting the most from their contributions.
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested. Tax treatment varies according to individual circumstances and is subject to change.
Workplace Pensions
We’ve helped both large and small employers to make significant savings as they fulfil their auto enrolment obligations. Employees have also seen their take-home pay rising as a result.
We aim to give you the professional advice and practical help you need to meet your duties under auto enrolment – so that you can get on with running your business.
We can help you:
- plan to meet the legal deadlines set for employers
- identify the pension scheme that is most suited to your and your employees’ needs
- identify how much you and your employees need to contribute
- enrol the right people
- ensure you have the systems in place that you’ll need to comply with your duties.
- review your current scheme if you already have one in place
Employee Pensions
We work with businesses of all sizes to review pension schemes.
At business level, this is about ensuring pension schemes are delivering all the benefits they should, both to you as an employer and to your employees.
We also hold pension clinics, where we work at individual level with employees, offering confidential and tailored advice.
For new employees we’re happy to come along to induction days to give a short presentation on pension and other benefit packages.
Self Invested Pension Plans
Use your pension to help achieve your business and personal goals.
Self-Invested Pension Plans, or SIPPs, can offer great flexibility to help you achieve business as well as personal financial goals.
Raise funds on a property
You may be able to use your existing pension funds to buy business property. You could lease the property back, building your pension fund. And when you sold you’d not have to pay Capital Gains Tax.
Use your property to build your pension
If you already own a business property you may be able to use its value towards your SIPP. This may offer additional income tax benefits, particularly to higher rate tax payers, and Capital Gains Tax benefits.
Important Information
Auto Enrolment, Employee Benefits, some Buy to Let Mortgages and Tax Planning are not regulated by the Financial Conduct Authority.
