Tax efficient life cover, is that possible? Traditionally life cover is paid for personally and out of taxed income. Not very tax efficient if you are a taxpayer. A Relevant Life Plan could be the answer. In most cases Relevant Life Plan premiums and paid benefits qualify for full Income Tax relief, National Insurance relief […]
One of the recurring themes in my life is recurring and constant attempts to explain to my two girls, Charlotte (13) and Sophie (5), what it was like growing up in the ’80s and ’90s. Any attempt to explain any concept from the pre internet (and mobile phone) days is not the easiest gig in […]
Whilst there are many employers successfully complying with automatic enrolment regulation there are a decent number, particularly in certain sectors who aren’t complying with the new rules. The pension regulator recently highlighted that hospitality and retail are sectors they’re especially focused on and are doing ‘spot checks’ in cities across the UK to confirm whether specific businesses […]
Let’s start with a theoretical question… There is a new law you have to follow and if you don’t follow this particular law you are fined. Now the starting fine might be a small amount. A shot across the bow to ensure you take action to comply with this new law and you begrudgingly concede that you’ll […]
Maybe it’s just me…but I’ve gotten to a point where often where I’ve written so much about pensions in general and automatic enrolment that I find myself running out of decent analogies. It’s one of the worst things that can happen if you enjoy writing. The ideas dry up, everything that once seemed novel now […]
Since 2012 we’ve helped companies of all shapes and sizes manage and continue to manage their automatic enrolment obligations. We’ve guided them through the regulation, took on many of the tasks we needed to complete in order to help them comply, communicated and educated their staff and provided updates as and when regulation changed. We […]
There’s more and more research (most recently this piece of research) which confirms that more and more employers are failing to comply successfully with automatic enrolment. In fact the latest piece of research shows that up to 20% of firms are now falling through the gaps and not complying successfully. Now the process of complying […]
To celebrate the release of the 2nd edition of my book designed to help small businesses comply with automatic enrolment I want to tell you a little story… I released the first edition of this book on the 19th November 2015. The event went well and book sales were going well (or as well as […]
As 2016 hurtles towards it’s end there is an incredible fact about automatic enrolment we seem to forget… We still have more individual businesses who are yet to comply with automatic enrolment than ones which do. You see the true spike in employers who have to comply with automatic enrolment is 2017. Therefore whilst 2012 […]
As we approach the Christmas period there are a certain number of employers who on top of their standard business planning will need to focus on another fundamentally important business task… You see there are a decent number of employers who have to comply with automatic enrolment regulation by either the start of January 2017. Theres only […]