Business protection and employee pensions and benefits

No matter how large or small your business, as an owner, you have a number of important responsibilities to your employees.

Whilst you may feel that some of these obligations are onerous, there is evidence to suggest that effective employee benefits such as additional pension contributions and death in service life cover will reap rewards for your business; making it easier for you to attract and retain the calibre of staff that you want.

In addition, you need to ensure that you have sufficient business protection from the risks that can jeopardise its existence, for example, cyber-attack or the unexpected loss of a key person.

At Holden & Partners, we are well-versed in the various benefits that you need to provide to your employees, as well as the options available for business protection through key person cover and shareholder protection, should  you lose a key member of your team.

What about you?

We also understand that your personal and business finances are likely to be closely intertwined; you may want to know how you can withdraw money tax efficiently from your business, or whether your business can invest its spare capital in a sustainable manner. You may be wondering what role pensions can have and how can they be used to help your business, as well as what type of exit or retirement you will eventually want to have from the business and how to plan for  this and a sustainable future.

We can help you with your financial planning to ensure that your business works as hard for you, as you do for your business.

For more information on how our financial advisers can best support you and your business, please click on the links below.

Group pensions

We’re experienced in running company pension arrangements and ensuring that they remain appropriate to your needs.

Group risk

Our financial planners will work in partnership with you to create a competitive and comprehensive range of employee protection benefits.

Employee financial education

We design and produce a range of financial education programmes to suit the needs of the business and employees.

Business protection

We work with you to assess key business risks and provide cost effective solutions to address those issues to ensure optimal business protection.

Auto enrolment

We can assist you in establishing a pension scheme that meets the necessary requirements, or adapt your current arrangements accordingly.

Pensions & retirement

Our retirement planners can help you to make the most of pension legislation and tax efficiency whilst you’re saving and provide financial advice when you need to create income or capital from your pension to achieve a sustainable retirement.

Lifetime cash flow analysis

It’s important to understand your income and expenditure. Our financial advisers can help you plan for your future through a cash flow model.

Protecting what matters

Our financial planners help you identify an appropriate level of life cover, critical illness cover and income protection insurance to give you the protection you need, should the worst happen to you.

Tax planning

We’ll help you maximise tax efficiency by making use of available tax reliefs, allowances, tax wrappers and investment products.