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.

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    I just want to thank you and your team so very much for all you do for me throughout the year. It is a real comfort to know that my investments are in such capable hands. I literally couldn’t do it on my own.
    A very personalised service… All advice is tailored to my needs with great consideration to issues I may not have thought of myself. I feel confident about my future finances.
    Before I chose Gresham I spoke to a number of IFA’s but none of them gave me the same confidence I had when I spoke to Morven. Everything, both written and spoken, is explained in an easy to understand way. All my pensions have been dealt with extremely efficiently and I am very happy with the service I have received from everyone at Gresham.
    Thank you so much again for your time and brilliant advice.
    Thanks again for your advice, you have given me the kick I needed to take control and I’m very grateful for that.
    We are both very grateful for the time you spent with us in explaining various options. We certainly feel we now both have a much better understanding of our situation & the decisions which we need to consider moving forward.
    Just a big thank you for all you have done for our family. We do appreciate it.
    With great thanks for all your reassuring attention over the last year. It means more to me than I can express in a few words.
    We feel we can phone at any time during office hours if we need anything clarifying. Our financial adviser knows our personal circumstances and is in tune with our goals and lifestyle. His advice has been and continues to be excellent.
    You’ve solved that dilemma for me… Thank you for being so clear and honest as always.
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