An Employers Obligation

Employers are often confused about their obligations when it comes to providing a pension scheme for their staff.

Quite simply, if you employ five or more staff, then you probably have a legal obligation to provide a pension scheme. Some staff are exempt from this and therefore do not need to be counted.

Is is worth knowing that radical changes are looming. If an employer does not have a Qualifying Workplace Pension scheme in place by 2012, they will have to ensure that their employees are auto-enrolled into a default scheme that the Government is setting up.

If you want to be sure that you are meeting your legal obligations and want to have a pension in place ahead of this legislation, please contact us.

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Pensions

Planning for retirement, your options, review your plans...

Investments

Investing your capital for tax efficient growth or income...

Protection

Protect your family, life assurance, critical illness, income protection...

After a long career dealing with other people’s money (often major six figure sums on a daily basis) I considered myself to be pretty numerate. However, facing retirement the whole pensions jungle filled me with dread as I knew it was a task I would neither relish nor easily absorb. Having taken the decision to get some help I decided I didn’t want my bank involved nor any corporate suit.

From everything I’d read and heard it was clear that I personally needed someone who could guide me through the process, having first understood our needs and to then explain each step simply without all the uniquely incomprehensible language so often encountered in this industry.

I wanted a local Financial Adviser with a good track record and I initially used a website to draw up a shortlist of suitable candidates. Barry stood out as just the kind of bloke we could do business with and, having appointed him last year, we are delighted with his service.

It’s been quite a “journey” sorting it all out these past few months but we now feel we have fully optimised our pension options and at last really enjoy our retirement. We can therefore thoroughly recommend Barry to anyone seeking such a Financial Adviser.

Mr Peter Seabrook-Harris