Pension Solutions for Owner/ Managers and Senior Staff

Specialist Pension Advice

Benefits play a central role in recruiting, rewarding and retaining staff, especially high net worth employees. Those individuals tend to lead busy lifestyles and can have complex financial affairs. Offering executives an enhanced benefits package may not always be enough and so that is why Sancus Retirement Planning are well placed to offer a bespoke financial planning service to your executives, which can be part of your staff benefits package. They might need and appreciate help in managing those benefits as well as their wider finances. 

 

In our experience a good number of these executives are sleep walking into a pension minefield with reference to the annual and lifetime pension allowances restrictions. 

 

In addition to the above, we recognise that for senior staff and as part of a general incentive programme to encourage and reward loyalty, business owners will want to provide a more bespoke offering to senior executives. Using Self Invested Personal Pensions (SIPP) and Small Self-Administered Schemes (SSAS), Sancus Retirement Planning can work with business owners to create bespoke pension solutions. These offer a far wider range of investment options than conventional pensions allowing members to create wide ranging investment portfolios, including directly held equities, cash deposits, commodities and collective investments, such as unit and investment trusts. 

 

Specifically for business owners, one of the most attractive features is the ability to invest in commercial property. Sancus Retirement Planning can advise you on the tax and investment advantages of these types of pension arrangements, including how you could use the pension fund to invest in commercial property; perhaps the premises your business operates from, which you could buy through your pension and lease back to the business. The opportunities surrounding tax planning are attractive, and we would work with your tax advisers to ensure the most efficient structure is put in place. This allied to general tax planning advice looking at such issues as profit extraction, form an integral part of our service offering.

 

Please contact info@sancusrp.co.uk for more information, help and guidance on our Corporate Pension Solutions.