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Workplace Pensions


The Pensions Act 2008 requires all UK employers to assess their employees and enrol all eligible staff into a pension scheme and contribute to it, this is known as auto-enrolment.

Some employers may be unsure as to what their obligations are under the auto-enrolment legislation. We can help you with:

  • Workforce assessment
  • Scheme establishment
  • Facilitating pension contributions
  • Communications with employees

There are a number of different options available to you. As independent advisers we can find the right scheme for both you and your employees. 

If you have an existing workplace pension we can also review the ongoing suitability of the scheme. 

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Risk Warnings The Pensions Regulator is the statutory regulator of work based pensions. 

Auto Enrolment is not regulated by the Financial Conduct Authority. 

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Business Investment


Some companies may hold retained profits on their balance sheets. With continued poor deposit interest rates, returns on this capital can be low. Make this money work harder for you through investment.

There are a number of different investment opportunities for companies who are seeking to achieve ‘better than bank’ rates of growth, although the taxation implications can vary from investing personally. 

As independent financial advisers we are not restricted in the investments we can recommend.

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Risk Warnings The value of investments and income from them can go down. You may not get back the original amount invested. 

Tax treatment is based on individual circumstances and may be subject to change in the future.





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Group Life


In addition to their wages many employers consider offering their employees additional benefit packages. We can arrange group schemes to provide:

  • Death in Service Benefits
  • Critical Illness Cover
  • Income Protection Cover
  • Accident and Sickness Cover
  • Private Medical Insurance

There are benefits to writing group schemes to both the employer and employee such as free cover limits resulting in reduced underwriting requirements and the premiums may be treated as allowable business expenses reducing the employer’s corporation tax liability.

We can help you find the right scheme for your company and your employees.

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Business Protection


What would happen if one of your key personnel was no longer able to work? Would the company be able to carry on? We can arrange financial protection against this sort of dilemma.

Key person insurance will provide funds to a business to hire a either a temporary or long-term replacement for an employee who is no longer able to work due to either accident, sickness or death. This will allow a business to continue trading following the loss of an employee at the heart of the business.

Shareholder protection cover can be written to allow business owners to buy other partners’ or shareholders’ interests in the business if something were to happen to them.