Workplace pensions

Whether you're looking for a; Group Personal, Stakeholder Pension, a Group Self Invested Personal Pension (GSIPP) or a Corporate Wrap, our experience 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 this is necessary.

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


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.

Autoenrolment 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 autoenrolment 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 8% from April 2019.

For advice on choosing the right scheme for you 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.

For independent advice tailored around your pension and your plans for the future, contact a Fairstone adviser today.