Employee Benefits and Corporate Pensions

In the constantly evolving world of employee benefits, employers, trustees and financial directors find themselves spending an increasing amount of time and money ensuring that their arrangements remain up to date, cost effective and attractive to both existing and potential future employees.

The areas of advice which Gresham Wealth Management Ltd can provide are:

  • National Employment Savings Trust (NEST)
  • Existing Corporate Pension Arrangements
  • Group Life Insurance
  • Group Income Protection / Permanent Health Insurance
  • Group Private Medical Insurance

Director/Executive Pensions

Provided that your company produces enough profits to meet its costs and your own income needs, the disposal of the surplus can be largely a matter of tax planning.

In brief, it is possible to reduce your corporation tax, income tax and even national insurance liabilities by careful use of pensions. In addition, you can create a private fund that will provide security towards your retirement. For owners, directors and executives of companies the idea of pensions is attractive, however the inflexible nature of the contracts available mean that they are not practical. With recent changes to the Pensions Legislation there are a range of flexible pension plans now available which can, if required, lend money to the company (within HMRC guidelines), buy corporate property and even be used to smooth the transfer of the company from the one generation to the next.

Pensions are a very attractive part of company and personal financial planning and provide significant taxation benefits. Gresham Wealth Management Ltd have considerable experience of advising in this area and will provide the detailed advice required to ensure that you receive your desired outcome. Once established, we will continue to review your pension arrangements on a regular basis to ensure they remain up to date with any taxation changes, and that you are on track to achieve your overall retirement objectives.

  • Shareholder/Partnership Protection

    One of the great risks of a partnership or limited company is that one of your colleagues may die, with their share of the business passing to someone else. That person may have little interest in the business or be unable to meet the requirements of running the business. Equally a partner or shareholder who suffers a serious illness may not want to continue in the business after treatment and look to be compensated for their exit from the business.

  • Client Testimonials

    Thank you for your visit today. We enjoyed meeting you and found you to be very thorough and knowledgeable. As a result, we now have a positive outlook concerning the future of our finances
    Whilst my client’s situation is obviously very complicated, you made it very straight forward – quite an art!
    It’s lovely for us to have nice friendly advisors like Jonathan and Morven.
    I knew I had to start the ball rolling with getting our finances sorted but it was a hard thing for me to do as it cements the fact that our lives have changed forever. You made the whole process so much easier.
    On behalf of Walk & Talk Group, I would like to thank you for the most informative, enjoyable and appropriate presentation you gave. Members found the session of great value and very useful.
    My current investments are well on the positive side and I do thank you for your care and management of my financial affairs. I simply wouldn’t know how to manage them myself, and feel secure and confident knowing you are looking after these matters so professionally.
    I’m really impressed by how responsive you have all been to get this through against such a tight timescale.
    Morven’s guidance about pensions and investments has provided us with excellent returns, even during the recent turbulent financial times. She has been a helpful and friendly advisor for many years and we wouldn’t hesitate to recommend her.
    The professionalism of your service continues to give me confidence that we are pursuing the optimum route with our finances. The sound advice you provide is more critical than ever in the current climate.
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