Group Pensions

There is a wide range of different workplace pension scheme options in the current market place ranging from schemes provided by the large insurance companies to the Government-funded multi-employer scheme, NEST.  We will help you select the most appropriate scheme for your business.

Whether you are looking to set up your first workplace scheme or already have a scheme in place and are looking to change, our Group Scheme team can help.  We are happy to meet with you to discuss your needs, obtain the necessary quotations and facilitate any transfers needed.

We will also help you with both new and ongoing Auto-Enrolment obligations.

As independent advisers, we will research the whole of the market to ensure that the solution we recommend is the most suitable for your needs. 

As an alternative, we have access to a dedicated master trust scheme that can be used by employers of all sizes and types.  This flexible and employer-friendly scheme is offered with our ongoing Group Pension service to provide an all-encompassing proposition for employers.

Other solutions under consideration will include:

  • Group personal pensions from industry-leading providers
  • Self-invested pensions for directors or business owners which can offer additional features such as the ability to hold the company’s premises within the pension scheme and, in some circumstances, the ability to loan funds back to the company.   
  • Individual personal pensions for individual staff members with access to our investment platform and our standard managed investment portfolios.
  • Entry level workplace pensions such as NEST.

We can also help with the administration and management of your group scheme through our Group Pension Support Service.  This is charged through an annual fee:  contact us for a quotation.

Another priority is to ensure that Directors’ Pay and Pension Strategies take account of any Group Life or Pension Death Benefits that might trigger later Lifetime Allowance/Inheritance Tax charges or the loss of Pension Protection Certificates.

Whatever your group pension scheme needs, we can help you sift through all the possible solutions to find the right one for your business. 

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