Establishing new pension schemes
	Outsourcing pension scheme management
	Technical and legislative advice
	Review of existing pension scheme benefits
	Winding up pension schemes

If you would like to arrange a meeting with one of our pension consultants please complete our enquiry form or if you would like to see an example of our online employee benefits platform please click here.

Defined benefit pension schemes
Defined benefit schemes provide a pension based on an employees final pensionable salary calculated against the number of years of employment or years of membership within the pension scheme.

An employer with a defined benefit scheme makes an ‘open-ended’ monetary commitment to guarantee employees with pension benefits.

Types of defined benefit schemes include final salary pensions, added years additional voluntary contribution schemes and some hybrid pension schemes.

Defined contribution pension schemes
Defined contribution schemes provides a pension based on the amount of contribution paid by the employer and employee, the investment growth achieved on this money, and the annuity rates in force at retirement.

An employer with a defined contribution scheme is able to make a ‘fixed’ monetary commitment to provide employees with pension benefits.

Types of defined contribution schemes include small self administered schemes, executive pension plans, group personal pension schemes, additional voluntary contribution schemes and contracted in and contracted out money purchase schemes known as CIMPs and COMPs.

Stakeholder pension schemes
From October 2001 it has been compulsory for all employers with five or more qualifying employees who do not have access to funded or exempt pension schemes to make a stakeholder pension scheme available.

An employer with a stakeholder pension scheme ‘does not have to make any’ monetary commitment to provide employees with pension benefits.

Please contact us to request a copy of the Stakeholder pension guide for employers.

Use our pensions calculator to check how much you need to save to provide yourself with a retirement income.

Help & advice
There are many different options to consider when choosing a personal pension and it makes sense to take advice from a qualified pension specialist who is independent and can offer you products and services from the whole of the market place. Please call one of our independent advisers or contact us to discuss the different options available to you and to request a quote for your personal or self invested pension.