Independent financial advice
in Nottingham & the East Midlands
If you are a local Nottingham business in need of a pension consultant to meet with your employees or to consult on the firms pension issues with HR or other management, then we can arrange a specific programme for your needs.  To give you an indication of cost; we would expect a retainer of about £200/mth for this service but this would obviously depend on the amount of need and work required and we would be happy to discuss this with you and work out a fair package for your needs.

For small employers he charges about £425 to set up a compliant scheme with you, depending on the complexity and offers an ongoing service where he is available to answer questions and give assistance throughout the year.

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Employers will no longer have to automatically enrol employees in certain situations due to changes under government draft legislation Government, read more here to find out why.

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The potential for directors or shareholders taking money out of the Company by making pension contributions with no personal tax liability and reducing corporation tax liabilities, as well as ring-fencing funds away from company creditors, is worthy of serious consideration.

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Salary Sacrifice is offered by some employers as a means for their employees to receive increased pension scheme contributions.  It is not an effective way of saving for everyone so, if the employer offers salary sacrifice, you should make sure you benefit before signing up.

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A cash balance plan is typically run, by Trustees on behalf of the employer.  The employer decides the levels of contributions to the cash balance plan. Contributions are usually expressed as a percentage of earnings. The scheme’s Rules will define ‘earnings’.

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There are certain risks associated with pensions. We point out some of the major risks below which we would urge you to consider seriously before committing yourself to a pension.

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