Financial planning for companies
Our business is helping your business
In almost every situation, when we have completed a full corporate financial review, we have been successful in at least one of the following four categories:- reducing costs, reducing the burden of administration, improving the quality of service or improving the level of cover. In many situations, we have been successful in all four.
Advising on employee benefits is just part of what we offer. We provide a complete corporate financial planning service, which you can use in part or in full, depending on your needs. This service is tailored to the company’s requirements, because we believe that every enterprise has its own individual needs, circumstances and goals.
Some of these areas can do far more for the business than simply reduce costs. We can work with you to explore which services are right for you and then recommend the package most appropriate to your needs, goals and budget.

Pension plans
Employees increasingly recognise that they cannot depend on the State for their retirement income. Furthermore, a good pension plan can make all the difference when it comes to both finding and keeping the best people, particularly at the higher executive levels. We advise on stakeholder, group pension and executive pension planning, as well as existing arrangements. We can bring in professionals with expertise in Final Salary schemes to assist you and we offer specialist services such as Executive Pension transfer.

Flexible employee benefits
Life Assurance, Permanent Health Insurance, Private Medical Insurance, Critical Illness Cover and other employee benefits are widely seen as valuable incentives on top of salary, bonuses and other financial inducements. We can recommend plans which suit individual companies size and payroll. Today, these can be structured in a flexible way so as to give employees more control over their level of benefits according to their personal circumstances. Increasingly, employees can take control of their package, reducing or adding to benefits according to their personal preference.

Group Protection
The cost of this type of protection has reduced fractionally over the past two or three years; however, in some circumstances, this has resulted in a reduction of benefits. A review of group risk policies such as Individual Group Life or Group PHI will highlight any of these potential problems and at the same time, we may be in a position to negotiate more attractive rates.

Key person protection
Some companies, particularly smaller businesses, are especially dependent on the skills, knowledge and experience of certain key individuals. Do you have a director or employee whose death would have serious financial consequences for your company? If so, key person protection can fill the gap, providing much-needed financial assistance until a replacement can be found or trained.

Investment and Savings
ISA (Individual Savings Account)
PEP Transfers
Bonds (Insurance) Home and Overseas
Equity with Products/Guaranteed and Income Venture Capital Trust
Enterprise Investment schemes
Open ended Investment Companies
Investment Trusts and Unit Trusts

Pensions
Stakeholder Pensions
Personal Pensions (PP)
Group Personal Pensions
Self Investment Personal Pensions (SIPP)
Small self administered schemes (SSAS)
Executive Pension Plans (EPP)
Annuities

Life Assurance and Protection
Life Assurance
Critical Illness cover
Income Protection
Long Term Care Cover
Private Medical Insurance
Term Assurance
Mortgage Protection
Accident Sickness and Unemployment Benefit (ASU)

Not all of the above products and services are regulated by the FSA.