Our services include:

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Financial Education

Many employees struggle to understand basic financial and investment issues and often fail to realise the various benefits on offer in the workplace. Our comprehensive financial education programmes can aid understanding around this and can help your employees make well-informed decisions throughout their career and lead to improvements in their financial wellbeing. This is especially important at-retirement when facing life changing decisions about how to maximise retirement income. For more information, please click here.

As there is a growing need to provide support for pension scheme members at-retirement, Trustees also find that financial education helps their members to fully understand their options at-retirement, which leads to improvements in their retirement outcomes. See our retirement income options service to find out more.

Telephone helpline

Following financial education, employees and pension scheme members have access to a telephone helpline for those who would like to speak to someone to clarify any general financial queries they may have and/or to decide on their next steps.

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Financial guidance

We also offer financial guidance services for employees and pension scheme members who need one-to-one support.

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Financial Guidance Clinics

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Financial Guidance At-Retirement

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Regulated Financial Advice

Regulated financial advice will help your employees understand their personal financial situation, whether they’re saving for their future, facing investment and tax, or selecting their retirement income options. For more information, please click here.

As there is a growing need to provide support for pension scheme members at-retirement, Trustees also find that regulated financial advice helps their members to fully understand their options at-retirement, which leads to improvements in their retirement outcomes. See our retirement income options service to find out more.

 

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* Service Feedback results January 2019

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Implementation

We provide a service to help you implement your unique objectives.

This can include;

Encouraging employees to increase their pension contributions.

Helping employees select new benefits from the benefits platform.

Supporting employees and pension scheme member to implement their chosen retirement income option(s).

Retirement Income Options Service

Freedom and Choice in pensions has increased the risks and complexity that employees and pensions scheme members face in the lead up to and at-retirement including; falling for a scam, buying inappropriate retirement products, paying more tax than necessary, running out of money, or not understanding the risks around defined benefit pension transfers. This has created a growing need to provide support for employees and members at this stage.

Our comprehensive financial education and guidance programmes can help your employees and pension scheme members understand the key considerations faced in the lead up to and at-retirement. This can be supported by our regulated financial advice service which consider all lifetime savings and pensions to provide a holistic plan for individuals.

We can also help employees and members implement their chosen retirement income option(s) – whether that is an annuity, income drawdown, cash withdrawal or a combination of options. As requirements and circumstances will often change, we also provide ongoing support throughout retirement.

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Latest News

New rules at retirement mean employees need to look closely at what their pension provider is offering.

New rules at retirement mean employees need to look closely at what their pension provider is offering.

18th January 2021

New pension rules will come into force from the 1st February for those approaching retirement under FCA (Financial Conduct Authority) regulation. These new regulations are designed to protect consumers who do not take regulated financial advice as the FCA are concerned that consumers often make poor decisions such as converting their pension investments to cash, which over the average retirement would see a reduction in value in real terms as the return on the cash fails to keep pace with inflation.

New Year financial resolutions for uncertain times.

New Year financial resolutions for uncertain times.

7th January 2021

The New Year is a great time to take control of your finances. Unfortunately, the income of many households across the UK has been seriously impacted by the pandemic, with many people having been made redundant and others having to manage on a reduced income. This is having a direct effect on employee financial wellbeing.

Top 10 tips for employees retiring in 2021.

Top 10 tips for employees retiring in 2021.

6th January 2021

Retirement plans for 2021 have changed for many due to the pandemic. Whilst some have decided to put their retirement on hold due to their savings taking a hit because of Covid-19, others are deciding to retire early after being discouraged about finding employment again when faced with redundancy.