Whether you are saving for retirement or planning your retirement needs, our experience ensures that we will properly assess your current circumstances, retirement objectives and budget, in order to structure appropriate solutions using a wide range of pension products from stakeholder to self invested personal pensions (sipp) or small self administered schemes (ssas).

The pensions reform legislation due to be introduced in 2012 will have a massive affect on all businesses but especially those not currently offering at least 8% pension contributions for all staff.  employers should be reviewing their situation now and considering plans to spread any financial and organisational impact over the next few years. 

From 2012, unless employers are already operating a company scheme that meets the required criteria, or be prepared to set one up, they will have to enrol each eligible employee into the nest (national employee savings trust) scheme.  the nest scheme (formerly known as the personal accounts scheme) is intended as a vehicle for lower earners who don’t have access to a good company scheme.