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.

  • CPD training for professionals

    Gresham Wealth Management is one of the few financial planning firms in the North West that are registered to deliver CPD training. Committed to supporting fellow professionals with their ongoing professional development and understanding of key financial planning measures, our team have delivered training to over 350 accountants and solicitors in the region. Not only do these sessions help to keep you and your team ‘in the know’ on current legislation, they also help to identify potential benefits to your firm and your clients. Get in touch with us to discuss arranging a tailor made session for you and your team.
  • Keyman Protection

    The death or prolonged illness of a key employee can put your business under financial strain. Keyman insurance compensates a business for the financial loss brought about by death or long term illness of a key employee.

    It provides a valuable cash injection to the business which can help with a potential loss of turnover and/or to provide funds to replace the key person.

  • 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.

  • Personal Injury Trusts

    Without a personal injury trust in place, you can lose entitlement to present and future means-tested state benefits, including local authority contributions to the cost of long-term care. We offer simple, jargon free advice to check if a personal injury trust is required on receipt of a claim, generally at no cost to you.
  • Retirement Planning

    Retirement Planning is a complex area which means different things to different people. How you plan for retirement can be wide and varied, but it must be planned for well in advance.

    You may have existing pension plans in place, like a company pension or personal pension plan or perhaps you’re just starting to save. Whatever your situation, Gresham Wealth Management Ltd can provide the right advice to create a retirement plan that’s tailor-made for you.

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  • Client Testimonials

    Just a big thank you for all you have done for our family. We do appreciate it.
    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.
    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.
    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.
    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.
    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.
    You’ve solved that dilemma for me… Thank you for being so clear and honest as always.
    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.
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  • Contact Details

    Telephone:
    0161 973 9150

    Fax:
    0161 941 6591

    Address:
    Cecil Court,
    28-36 Cecil Road,
    Hale,
    Altrincham,
    WA15 9PB

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