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Auto Enrolment advice in Sheffield and Derbyshire for business large or small

Wealth advice for Charities & Business

How to protect your business & Family,
Pensions & Auto Enrolment

Our advice for business owners & Charities aims to help Trustees, company directors and business owners cope with the ever increasing complexity, responsibility and financial burden associated with running your business.

Auto enrolment - Our Auto Enrolment advice will make something which seemed a headache so easy, you will wonder what all the fuss is about!

Auto Enrolment is the governments answer to the savings gap which is emerging in the UK. We as a population are growing bigger and living longer. As a result, the government is unable to provide an adequate state pension. This savings gap is increasing the need for individuals to take more responsibility for their retirement planning.The coalition government’s policy is to press ahead with a Labour scheme to force all UK firms, regardless of size, to automatically enrol their staff into a pension scheme starting from 2012. The penalties for not complying with the rules can be extremely high, so making sure you are ready for the changes is of up-most importance.As more and more companies are reaching their auto enrolment staging date, we are starting to see more fines appearing for those companies who do not comply.

Employers must embrace Auto enrolment and although it can be costly and time consuming, setting it up correctly may not only save you money in the long run over a cheap and cheerful scheme, but will also be a useful tool for employee satisfaction through extra benefits that you are offering them.

Every employer, large and small, will have to participate. It will mean that hundreds of thousands of small firms that currently do not offer or pay into a pension scheme will have to begin making payments.

Our pension advice and management service cuts through the confusion. We take time to understand your needs and recommend an appropriate pension solution. We also help to launch the scheme to your employees and provide on-going support.

Please download our brochures below as a guide to our service and your Auto Enrolment responsabilities.

Auto Enrolment Employer Presentation

Employee FAQs about Auto Enrolment

To find out your staging date, click here and use the: Pensions Regulator Staging date tool

Charities

Our advice to charities and their trustee's can help fulfill the charities aims and obligations in a compliant and effective way. We can show you how to strengthen your investment proposition through unique investment tools and expertise and an appropriate level of risk for the charities long term view.

Our advice process can encompass everything from tax efficient investing, to pension scheme asset management to cash flow and business analysis to see if there are way to strengthen the charities finances.

Our services include:

  • Investment management

  • Active management

  • Risk management

  • Strong governance

  • Regular reporting

Business Owners - Potential advice areas

Employee Benefits

Our wealth of technical Knowledge in all types of insurance cover available and our expertise in a wide range of industries enable us to deliver the best possible policy covers for the most competitive premiums.

Pension advice

Are you a business owner, company director or trustee with responsibility for providing a pension? Do you understand your pension obligations and if your existing scheme is right for your business? Given the shifting investment landscape, changes in pension laws and enhanced legislative duties, effective pension planning is now more important than ever.

As a company director, are you making the most of the tax break available to you and are you making the most sensible decisions towards your retirement planning, investments and even the proceeds of selling your business? We work with many Company Directors on making a financial plan which will see them through all aspects of their financial life, even down to how to pass your estate on to children etc.

 

Employee Benefits

Our wealth of technical Knowledge in all types of insurance cover available and our expertise in a wide range of industries enable us to deliver the best possible policy covers for the most competitive premiums.

Protecting your business loans and financial liabilities

Being part of a successful company means overcoming constant challenges. When things go well, thanks to the skills and efforts of you and your fellow directors or partners, it can be very rewarding. But if something goes wrong, which could well be for reasons outside of your control, your family’s financial security and that of your partners could be at risk.

Click Here to see how Protection Can help

Has your company borrowed money from the bank or from one of the co-directors? Does it have an overdraft?

If so, the death or critical illness of a co-director could cause the lender to call in the loan, often very suddenly. Where would the money come from to repay the loan? Can your company afford to keep going with its current number of staff? If not, and you need to make people redundant, could the company afford the redundancy payments?

Protecting your profits – If a key member of staff or co-director dies or falls critically ill and was off work for an extended period of time, how would this affect your company’s ability to trade profitably now and in the future? The loss of a key person could cause far reaching problems for a business.

Loss of relationships - People like to deal with people they know and losing a key person can mean losing customers to your competitors and may lead to lower profits.

Loss of professional expertise – Specialist skills and experience of your business can be difficult to replace and their loss could seriously affect your competitiveness.

Cost of recruitment – Competitive job markets mean finding and training a replacement can be expensive and time consuming.

Business partnerships

Protecting your family if anything happened to you - If you die or are critically ill, are you and your family and business prepared for what could happen to your share of the partnership? Depending on how your business is set up, you or your family will have a few options:

Take a share of the profits - this could amount to little or nothing if the business is struggling because of your absence.

Insist on winding up the business and receive a share of its value - but if there were no assets and the business had no value, then they wouldn't receive anything.

Sell the share - but this relies on finding a buyer who’s willing to pay a fair price. This can potentially be a long and difficult process.

Most small to medium sized firms are unprepared in some areas of financial planning.

Appointing Andrew Stuart & Company Ltd to deal with your commercial insurance needs will give you the peace of mind that you have unlimited access to our expertise and experience. We have assisted many of our clients, not only through advising on the most appropriate insurance cover, but also at the point of claim. We are always there when you need us.

Our wealth of technical Knowledge in all types of insurance cover available and our expertise in a wide range of industries enable us to deliver the best possible policy covers for the most competitive premiums.

The consequences of this oversight may simply result in paying more tax than necessary, or it can be much more serious in that circumstances which can and should be insured against are left uncovered, with possibly disastrous consequences for the firm and its owners.

Call us now for an initial business advice consultation without charge

Independent advice on how to protect your business could in the long run be very advantageous for both you, and your employees. Increasing their perks are a proven way of keeping them happier and working harder for you, for longer. Please get in touch for Honest Effective Life Planning

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01433 651438

“We have been clients of Andrew Stuart and Company for a good many years and have always found them to be professional, helpful and good communicators. They have always kept their finger on the financial pulse. We have no reservations in recommending this Company.”

Mr & Mrs B Edwards

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Andrew Stuart & Co is an independent marketing website which acts as an introducer to various companies who offer specialist Financial Advice. Each company is authorised and regulated by the Financial Conduct Authority. andrewstuart.co.uk are not authorised to give advice and we are not liable for any financial advice provided by, or obtained through a third party. The information published on this website is for information purposes only.