This is an area where the hardest part is for directors to find the time to put their attention into their potential needs.

I have listed typical needs below. The solution depends on the directors’ and company’s circumstances and goals. 

Typical Needs and solutions include:

• Company Lump Sum pension contributions
• Maximising Pension Annual Allowance/Carry Forward
• Group Life Death and Income Protection Benefits
• Individual Relevant Life assurance
• Key Person Assurance
• Shareholder Protection
• Estate Planning/IHT/BPR considerations

We always recommend making use of applicable professionals such as accountants, tax consultants and solicitors; we can communicate with those professionals and take the relevant wills, trusts, accounts, shareholders’ agreements and tax into considered for our advice and recommendations.

Will Writing is not regulated by the Financial Conduct Authority.
Estate and inheritance planning 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. Transferring out of a final salary pension is unlikely to be in the best interest of most people.