Corporate Advice

When it comes to running your business we know that you are busy doing just that, running your business.

We understand how busy you are and how hard it is to make time to focus on planning for the financial future of your organisation, whether this means tax efficient planning, managing your commercial property, pension advice or employee incentives.

This is where we can help.

Our team of experienced corporate financial advisers can help you provide the best employee benefits that meet your business objectives. We can help you to set up your workplace pension scheme to comply with your auto enrolment regulations, support you in finding the right commercial mortgage and can work with you to ensure your employees understand and value the range of benefits you offer.

We aim to work with you as an extension of your team, offering an innovative service that meets your specific needs with practical and cost effective solutions.

Whether you're looking for a; Group Personal Pension, Stakeholder Pension, a Group Self Invested Personal Pension (GSIPP) or a Corporate Wrap, our experienced corporate financial advisers can help.

We’ll work with you to review your existing offering and evaluate how the scheme is meeting your objectives. We can also support you in finding an alternative option if the review indicates that this is necessary.

All of our advice will ensure you meet your autoenrolment obligations.

To discuss your workplace pension needs contact a Fairstone Adviser in your area today.

It has long been recognised that most people aren’t saving enough for retirement and, as a result, may not be able to live comfortably on their State pension alone. 

To combat the increasing strain on the State benefit system, in 2012 the UK Government introduced one of the largest-ever shakeups in the history of UK pensions in a bid to provide wider access to pensions savings for all.

Auto enrolment makes it compulsory for employers to automatically enrol eligible workers into a pension scheme and then pay into the scheme on their behalf.

By October 2018 all eligible employees must be enrolled into a workplace pension scheme. The auto enrolment process started with the UK’s largest employers in October 2012 and has been gradually rolling out ever since.

As an employer you need to make sure you have a workplace pension scheme in place by your staging date. You also have a legal responsibility to communicate with your employees, informing them about; the scheme you have chosen, how contributions work, how to opt in or out and when they will be affected.

When it comes to contributions you have a legal obligation to contribute at least 1% of each worker’s ‘qualifying earnings’. This legal minimum will rise gradually over time to 3% from April 2019.

For advice on choosing the right scheme for you, contact one of our independent advisers.

 

For help with Auto enrolment, contact a Fairstone Adviser today.

Benefits can play a key role when it comes to rewarding and retaining staff, especially directors and executives.

Offering an enhanced pension scheme that benefits those with more complex financial positions, higher tax liabilities and those who are more likely to be approaching retirement could make your business more attractive to current and prospective employees.

Your Fairstone adviser will work with you to identify the best scheme that meets the needs of your key people and will help you implement this as part of your wider pension plans.

As with all workplace pensions, our experienced corporate financial advisers can offer advice on how to make these schemes as tax efficient as possible for your business and your people.

To discuss your enhanced pension needs contact a Fairstone adviser today.

When planning for the future of your business it is imperative that you consider what would happen in the event of the sudden death of a shareholder.

There could be significant financial implications on your bottom line if the beneficiaries inheriting the shares have an immediate need for the funds. Similarly, remaining shareholders may wish to purchase the shares but aren’t in a positon to do so.

Whilst planning for the unexpected may form part of your businesses articles of association, depending on the specific circumstances of your business, it may be wise to have a separate document that clearly outlines what would happen in the face of the unexpected.

Our team of corporate financial advisers will work with you to establish the most appropriate and tax efficient solution for your business, making sure that your business has a safety net and is protected should the worst happen.

For advice on Shareholder protection, contact a Fairstone adviser in your area today.

When we think about business insurance it is likely that property and contents insurance are the first to come to mind.

Car insurance or protection against disasters such as fire and flood may also be on your list, but have you given any thought to how your businesses would continue to thrive if you lost key members of your team?

If you think about your core team and the skills and more importantly knowledge of your business and its inner workings that these key individuals have, what would you do if you unexpectedly lost a member of the team to illness or sudden death? Are they replaceable and at what cost to your business?

Key person insurance policies can help you to protect your business against such eventualities. Your Fairstone adviser will work with you to identify the key people that represent a potential risk to your business if they were no longer around and will help you to mitigate this risk as far as possible.

For more information on key person risk contact a Fairstone adviser in your area today.

As your business grows you will have tough decisions to make on where your business is located and the type of commercial space you will need.

If you’re thinking of working from home this could have a significant impact on your mortgage. You will also need to be aware of your responsibilities around informing your local authority of your plans.

With larger scale plans you may need professional advice on finding the right premises for your business and establishing the right budget for you and how these decisions could impact your future growth plans.

Whatever your needs, our network of independent expert advisers can help you achieve your commercial property goals.

Our independent expert advisers can help you achieve your commercial property goals, contact us today.

You know that your employees are your greatest assets and that when they are fully engaged they can be your best brand ambassadors.

Employee incentives can be the key to attracting and retaining the key people that will help you to drive your business forward.

Typically these incentives include employee insurance and health care, pension schemes and related HR benefit administration. The package you provide is completely dependent on what is appropriate for you and your business objectives and a Fairstone adviser can help you create the bespoke package that meets your budget and your end goals whilst at the same time keeping you compliant with your autoenrolment obligations.

To create your bespoke package contact a Fairstone adviser in your area today.

Workplace pensions

Whether you're looking for a; Group Personal Pension, Stakeholder Pension, a Group Self Invested Personal Pension (GSIPP) or a Corporate Wrap, our experienced corporate financial advisers can help.

We’ll work with you to review your existing offering and evaluate how the scheme is meeting your objectives. We can also support you in finding an alternative option if the review indicates that this is necessary.

All of our advice will ensure you meet your autoenrolment obligations.

To discuss your workplace pension needs contact a Fairstone Adviser in your area today.

Auto enrolment

It has long been recognised that most people aren’t saving enough for retirement and, as a result, may not be able to live comfortably on their State pension alone. 

To combat the increasing strain on the State benefit system, in 2012 the UK Government introduced one of the largest-ever shakeups in the history of UK pensions in a bid to provide wider access to pensions savings for all.

Auto enrolment makes it compulsory for employers to automatically enrol eligible workers into a pension scheme and then pay into the scheme on their behalf.

By October 2018 all eligible employees must be enrolled into a workplace pension scheme. The auto enrolment process started with the UK’s largest employers in October 2012 and has been gradually rolling out ever since.

As an employer you need to make sure you have a workplace pension scheme in place by your staging date. You also have a legal responsibility to communicate with your employees, informing them about; the scheme you have chosen, how contributions work, how to opt in or out and when they will be affected.

When it comes to contributions you have a legal obligation to contribute at least 1% of each worker’s ‘qualifying earnings’. This legal minimum will rise gradually over time to 3% from April 2019.

For advice on choosing the right scheme for you, contact one of our independent advisers.

 

For help with Auto enrolment, contact a Fairstone Adviser today.

Director Pensions

Benefits can play a key role when it comes to rewarding and retaining staff, especially directors and executives.

Offering an enhanced pension scheme that benefits those with more complex financial positions, higher tax liabilities and those who are more likely to be approaching retirement could make your business more attractive to current and prospective employees.

Your Fairstone adviser will work with you to identify the best scheme that meets the needs of your key people and will help you implement this as part of your wider pension plans.

As with all workplace pensions, our experienced corporate financial advisers can offer advice on how to make these schemes as tax efficient as possible for your business and your people.

To discuss your enhanced pension needs contact a Fairstone adviser today.

Shareholder Protection

When planning for the future of your business it is imperative that you consider what would happen in the event of the sudden death of a shareholder.

There could be significant financial implications on your bottom line if the beneficiaries inheriting the shares have an immediate need for the funds. Similarly, remaining shareholders may wish to purchase the shares but aren’t in a positon to do so.

Whilst planning for the unexpected may form part of your businesses articles of association, depending on the specific circumstances of your business, it may be wise to have a separate document that clearly outlines what would happen in the face of the unexpected.

Our team of corporate financial advisers will work with you to establish the most appropriate and tax efficient solution for your business, making sure that your business has a safety net and is protected should the worst happen.

For advice on Shareholder protection, contact a Fairstone adviser in your area today.

Key Person Risk

When we think about business insurance it is likely that property and contents insurance are the first to come to mind.

Car insurance or protection against disasters such as fire and flood may also be on your list, but have you given any thought to how your businesses would continue to thrive if you lost key members of your team?

If you think about your core team and the skills and more importantly knowledge of your business and its inner workings that these key individuals have, what would you do if you unexpectedly lost a member of the team to illness or sudden death? Are they replaceable and at what cost to your business?

Key person insurance policies can help you to protect your business against such eventualities. Your Fairstone adviser will work with you to identify the key people that represent a potential risk to your business if they were no longer around and will help you to mitigate this risk as far as possible.

For more information on key person risk contact a Fairstone adviser in your area today.

Commercial Property

As your business grows you will have tough decisions to make on where your business is located and the type of commercial space you will need.

If you’re thinking of working from home this could have a significant impact on your mortgage. You will also need to be aware of your responsibilities around informing your local authority of your plans.

With larger scale plans you may need professional advice on finding the right premises for your business and establishing the right budget for you and how these decisions could impact your future growth plans.

Whatever your needs, our network of independent expert advisers can help you achieve your commercial property goals.

Our independent expert advisers can help you achieve your commercial property goals, contact us today.

Employee Incentives

You know that your employees are your greatest assets and that when they are fully engaged they can be your best brand ambassadors.

Employee incentives can be the key to attracting and retaining the key people that will help you to drive your business forward.

Typically these incentives include employee insurance and health care, pension schemes and related HR benefit administration. The package you provide is completely dependent on what is appropriate for you and your business objectives and a Fairstone adviser can help you create the bespoke package that meets your budget and your end goals whilst at the same time keeping you compliant with your autoenrolment obligations.

To create your bespoke package contact a Fairstone adviser in your area today.