Workplace Financial Planning

In order to attract and retain talent, and to address various legislative changes, remuneration packages are becoming increasingly flexible. This flexibility has brought complexity, and the need for impartial, specialist and professional guidance has never been greater.

Our team of experienced consultants offers a holistic approach to financial planning. The range of issues we cover depends on individual circumstances, but may include:

• Past and future pension provision, including annual allowance and lifetime allowance planning.
• Alternatives to pension provision within a registered scheme.
• Retirement planning, including pension transfer, drawdown, accessing defined contribution pension funds flexibly, annuity purchase and phased retirement.
• Guidance following pension scheme changes and for new entrants/existing members of pension schemes.
• Financial reviews following key life events, including redundancy, divorce or the death of a spouse.
• Investment strategy, including asset allocation and tax-efficient investment.
• Incentive schemes, including tax-effective share option exercises.
• Inheritance tax planning, including the use of exemptions, death in service benefits and gifts.
• Personal taxation, including income and capital gains tax planning.
• Expatriation from a UK perspective.
• Family financial protection, covering protection against death and disability and guidance for family members following a death-in-service.
• Wills and trusts, including threshold strategy and settlements.