WORKPLACE PENSIONS

EMPLOYER

Pension legislation and the way benefits are provided have changed so much over recent years and many employers feel that they are no longer in total control of this important employee benefit.

Additionally, the introduction of Auto Enrolment has had an effect on all employers, no matter how small.

As a director or business owner, it is your obligation to understand this legislation, what the process will be, how it will work, what duties you must comply with and when to take action.

We can help with that. We work closely with employers to ensure you understand:

  • The requirements surrounding Auto Enrolment and your compliance with legislation.
  • The extra administrative burden placed on you as a result of Auto-Enrolment, and assisting to make it as painless as possible.
  • When seeking to recruit new staff, the pension scheme offered by your company will enhance the package on offer, aiding the recruitment – and retention – of a better quality of staff.
  • You are in the best possible position to be prepared for any future changes, either legislation or specific to your company.

St. James’s Place have relationships with a number of carefully selected market leading pension providers, allowing us to advise on a range of pension products.

The value of a pension will be directly linked to the performance of the funds you select, and the value can therefore go down as well as up. You may get back less than you initially invested.

EMPLOYED

The most important step you can take when you’re in employment is to start working out how much you think you are going to need to be able to comfortably retire.

Without effective retirement planning, there is the chance that you could potentially outlive your savings. As a nation, we are healthier and living longer than at any other point in history, meaning it will no longer be unusual for people to spend nearly as long in retirement as they did in employment.

Our retirement planning calculator is designed to provide an indication of the monthly savings needed to fund the gap in your required income at retirement, and your expected income from existing funds.

St. James’s Place have a range of plans to help provide for your retirement, no matter what stage of planning you are at. You must have flexibility in all aspects of your planning for your needs will change as your future earnings and career evolve. We offer a service that is personal to you, delivering bespoke advice. Planning your retirement with us puts you in control, so that you can be confident about your future pension.

The value of a pension will be directly related to performance of the funds selected and can fall as well as rise. You may get back less than the amount initially invested.

Testimonials

I have known her as our family Financial Adviser for about 10 years. She has always put my interests first and given sound advice. I found her to be pleasant and trustworthy. Her service and support has always been exceptional. I get great pleasure in recommending her to anyone.
Thurairatnam Kathirgamakarthigeyan
Retired Eye Surgeon
Andrea has been wonderful, and I feel confident in discussing my financial matters with her as I know she will treat my affairs confidentially. She has always been there whenever I needed - literally with a click of a button and the support, she provides is extraordinary. She has gone out of the way to help me on a few occasions. I will not hesitate to recommend her to anyone.
Sandy Shiralkar
Consultant Vascular Surgeon
Andrea has provided us with exceptional service and advice. We feel that Andrea has listened to what we want and need and has helped us to build a robust retirement plan. We would recommend Andrea to our friends and family.
Claire Richards
Manager

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