Defined Contribution Schemes

Also known as DC or Money Purchase Schemes. Pension benefits are primarily based on the amount members contribute to their pensions and fund performance. There are no guarantees to either income or any lump sums in retirement.

Core Services

  • Systems & Controls development – design, implement and monitor specific strategies for your scheme
  • Manage & Advisory – Helping you develop and maintain a workable pension scheme 
  • Investment Advisers & Consultants – We have the Chartered Insurance Institute Certificate in Discretionary Investment Management helping meet the specific and ongoing needs of your scheme
  • Assessment of pension objectives and diversification of investment funds
  • Meet Scheme members and individually assess their pensions and retirement planning objectives
  • Pension Income Choices – Purchase of annuity or use of Flexible income streams in retirement 
  • Projections and analysis of the sustainability of income in retirement and the effect of the amount of contributions on pension benefits 
  • Fund Analysis & Asset Allocation versus individual scheme members age and time to retirement
  • Ensure Employers meet their ongoing WorkPlace pension/Auto Enrolment responsibilities

Specialist Services

  • We can act as Employer Nominated Trustees and liaise with Member Nominated Trustees 
  • Independent or Sole Trustees
  • Chair Of Trustee Board
  • Pension analysis and due diligence for sales and mergers
  • Preparing a Statement Of Investment Principles (May be mandatory for some schemes)
  • Bulk Transfer 
  • Exit Strategies for Business Owners

DB Schemes

Also Known as Final Salary Pensions, these schemes provide a promise of payment and guaranteed pension benefits at retirement.

Contact us for specific advice in managing scheme assets and liabilities and subsequent pensions to scheme members.

Wills & Trusts

financial-advisor

New & Existing Trusts

Trusts can arise from Wills, insurance policy benefits or be set up in the lifetime of the person(s) making the trust.

Core Services

  • Assessment of Trust and Trustees income tax and capital gains position
  • Management of the Trust in accordance with the ongoing legal requirements of the Trustee Act of 2000
  • Will Trusts and Trusts with vulnerable beneficiaries
  • Trustees meetings and minute taking
  • Investment Consultancy to the trustees

Specialist Services

  • We can act as independent Trustees
  • Probate
  • Trust Tax returns
  • Investment Management of trust assets
  • Property Management of trust assets
  • Preparation of Lasting Powers of Attorney Documentation

Contact us for specific advice in managing scheme assets and liabilities and subsequent pensions to scheme members.