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Professional Financial Planning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers we can help you make informed decisions about your financial future, short, medium and long term.Read More
Mortgages are loans which are intended to help buyers purchase residential and commercial property. When an individual takes out a loan, the lender charges interest: the same is true of a mortgage.Read More
Health Insurance is probably one of the most important types of insurance you can own. Without it, an illness or accident can have serious long-term financial implications for you and your family.Read More
When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed, so unless you can guarantee a large inheritance or windfall, then you need to provide yourself with a secure income for the rest of your life.Read More
Often, people save for a specific reason and it's usually the safest way to build up a pot of money. It's less risky than investing, but it offers limited growth. The most you'll earn on the money you save is the interest added. Saving is perfect for people who don't want to take any risks with their money, and most savings accounts have easy access or are for a fixed term.Read More
All businesses are exposed to risks in their day-to-day operations. Without business insurance cover to provide protection against some of these risks, businesses would find it difficult to operate efficiently and profitably.Read More
Taxation can be very complicated and the rules, reliefs and allowances often change, so it is worth obtaining a clear grasp of how these taxes work by discussing with a professional adviser the most efficient way to arrange your finances.Read More
Equity release has to fit with your needs, circumstances and preferences, where the benefits need to outweigh the drawbacks and be more suitable than alternative methods of raising funds.Read More
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Home Occupational Pensions / Auto Enrolment
Income Drawdown / Unsecured Pension
Personal Pensions
ADVICE ON AUTO ENROLMENT PENSIONS IS NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.
THE VALUE OF PENSIONS AND THE INCOME THEY PRODUCE CAN FALL AS WELL AS RISE. YOU MAY GET BACK LESS THAN YOU INVESTED.
Occupational Pensions
How occupational pension schemes work
Every payday, a percentage of the employee's pay is deducted automatically from their salary or wages and invested in the scheme. The employer also contributes to the scheme on the employee's behalf as does the government in the form of tax relief.
Two types of scheme
In a 'defined contribution scheme', the employee's retirement income is based on the contributions made, whereas in a defined benefit scheme, the employee's pension income is based on his or her salary and length of service with the employer. Most occupational pension schemes are defined contribution schemes.
What happens if the employer goes out of business?
Whether the scheme is managed by insurance companies or by the employer, the pension funds are not available to creditors of the employer, so employees' pension pots should not be affected if the employer goes bust. If the scheme is a trust-based scheme, employees will still get their pensions, although not as much because the scheme's running costs will be paid out of members' pension pots rather than by the employer.
Auto Enrolment
Under 'Automatic enrolment' rules, any employer (with at least one member of staff) must automatically enrol every employee between the age of 22 and State Pension age and earning in excess of £10,000 a year (2021/22 tax year) into a 'Workplace pension scheme'.
Contribution costs
The minimum contribution for employers is 3% of the employee's earnings, whilst employees are obliged to contribute a maximum of 5% of their earnings before tax.
PENSION ENQUIRY FORM
Planning and Retirement
Contribution frequencyMonthlyAnnually
StatusEmployedSelf EmployedNot Employed
Existing Pension
Do you currently have a pension provision
Member of your employers pension scheme?
What is your attitude to riskLowLow to MediumMediumMedium to HighHigh
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Moneytree Financial Solutions Ltd
Suite 2 Sutton House
Ashville Point
Sutton Weaver
WA7 3FW
Moneytree Financial Solutions Ltd is registered in England and Wales, Company Number: 06749896. Registered Address:Suite 2a Sutton House, Ashville Point, Sutton Weaver, Cheshire, WA7 3FW.
Moneytree Financial Solutions Ltd is an appointed representative of Quilter Financial Limited which is authorised and regulated by the Financial Conduct Authority.
The guidance and/orinformation contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.
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