For your business
A prosperous partnership

Successful businesses need the right relationships. Choosing us means you’ll have a partnership you can depend on, with experts who understand your world.

We can advise you on workplace pensions, employee benefits, group risk, corporate investment and business protection for your business as well as a whole range of personal services for you and your employees.

We hold to the highest professional standards, seek out the latest knowledge and accreditation and we’re determined to continue proving that sound ethics deliver  success.

Find out what we can do for your business…

Company Pensions

The requirements for workplace pensions are straightforward, but meeting them can be daunting. We can help.

auto enrolment

A practical way through

With increasing regulatory oversight of company sponsored pensions, whether the arrangement is a traditional occupational pension or a workplace scheme put in place to meet your auto enrolment obligations as an employer, good management is essential. 

Our experience covers both trust-based and contract-based pension schemes. In trust-based arrangements, whether defined benefit (DB) or defined contribution (DC), the pension scheme assets are held by trustees to manage, who have the responsibility to act in the best interest of members. With contract- based schemes – typically either a Master Trust such as NEST or a Group Personal Pension plan - these responsibilities fall on the employer.

Because of auto enrolment, there are increased obligations on employers to ensure that the DC scheme they have in place, whether trust or contract based, is designed to produce good outcomes for members as well as offering value for money to them. This is because in these schemes all of the investment risk falls on the member.

Our governance framework will be designed around your requirements to deliver the best possible value to both you as an employer and to your employees, ensuring your scheme remains compliant with the standards set out by the Pensions Regulators or the Financial Conduct Authority.     

Auto enrolment obligations apply to every business employing more than one person. While the requirements may seem quite straightforward, the process can be both complex and daunting.

We enable companies to assess staff effectively and complete the processes efficiently. Most of our clients already have a pension provider, but if you don’t or you’d like to revisit this then we can help you to find and implement an appropriate Work Place Pension Scheme.

Our support extends to making presentations to your staff, to explain and offer guidance, as well as providing tailored financial advice to any member of your team who needs it.

Employee Benefits

Employee benefits are becoming increasingly important when it comes to attracting and retaining skilled staff. We can help with the following:

employee benefits

Employee benefits are fast becoming as important in attracting skilled staff and by investing in your employees helps retain your most valuable assets. We can help with the following:  

  • – Group life assurance
  • – Group income protection
  • – Group critical illness cover.

Your group protection arrangements can be structured to provide different levels of benefits for senior employees, which we can tailor to your business objectives.

Healthcare benefits we can help with:

  • – Group private medical cover
  • – Group dental insurance
  • – Health & opticians cash plans

Benefits can be structured to suit you. Whether this is being paid by the employer, which is normally the case for core benefits, or by the employee under a flexible or voluntary benefits arrangement for additional benefits. Flexible benefit schemes allow employees to vary their pay and or benefits package to reflect their own requirements. They differ from voluntary benefit schemes where employees pay for extra benefits.

We can also help with finding the right provider to provide perks to your employees to increase loyalty and aid recruitment.

Corporate Investment

We can give you the clarity and confidence to make sound investment decisions.

corporate investment

Invest with confidence

We can give you the clarity and confidence to make sound investment decisions, helping you achieve your business goals while managing risk. Corporate financial investment is complex and requires advice you can trust. We're experts, continually seeking out the latest knowledge and accreditation. Our expertise covers shareholder agreements, shareholder protection, key person insurance, corporate investment and commercial mortgages. And we can help you with the practical issues, such as maximising funds on deposit, the tax implications of business profit extraction, pension planning and the tax implications of employee benefits.

If you’re thinking about buying or leasing property we can help you make financing decisions that are tax-efficient, flexible and focused on your goals. We can do the same when you’re financing assets — from engineering equipment in a factory to upgrading your computer system.

We believe in paying taxes, but we may still be able to reduce your tax burden in an ethical way, working with your accountant on tax planning.

Please Note: The value of pensions and investments can fall as well as rise, and you could get back less than you invested

Business Protection

We'll help safeguard the continuity of your business

business protection

Protect what matters

One of our key roles is to safeguard the continuity of your business, by protecting those who look after it.

People are your greatest asset, and losing someone important to your business is a risk worth considering. We can help you identify which individuals matter to your business and in what way, then establish the appropriate level of cover for them.

We specialise in all aspects of business protection, including:

  • Key person protection — in case a key individual dies or becomes critically ill
  • Shareholder protection — in case a partner or shareholder dies or becomes critically ill
  • Relevant life insurance — tax-efficient life insurance for employees and directors
  • Business loan protection — to cover any business debts

We’ll take a practical view of the risks you face. For example, if one of your shareholders or partners died or became incapacitated, usually their shares would pass to their beneficiaries. That could disrupt your business and leave you without enough capital to buy back the shares and regain control. But with shareholder protection, you’d get a lump sum to help cover the cost of buying back those shares.

We’ll think carefully about what works best for you. If you’re a director, cover can extend to both salary and dividend payments — so you can focus on getting well and returning to your role without other financial burdens or anxiety. You may also want to provide directors or employees with private medical insurance. We can search the whole market to find a solution that keeps both your business and your people healthy and thriving.

We have been so impressed and grateful for the personal service we have received. Our adviser feels like a personal friend and a great support in an area of which we have little knowledge.