Retirement Planning

Pension planning: Directors may prefer to establish a separate pension plan from that of their employees. The reasons for this are that the term of their employment may be a fixed number of years, their tax position may be more complicated than other employees, or they may prefer to set up a form of self invested plan more suitable to their circumstances. Directors and partners may also wish to leverage their company pension scheme at some stage to raise funding for the business. This may be a tax and cost-efficient way of funding the acquisition of commercial property. In these circumstances, sound pensions advice will be invaluable. Management and employee benefits: It goes without saying that to retain and recruit the best management and staff the salaries offered to them are important. However, employees today are more financially aware and often expect their employers to provide pension, protection and health benefits as key elements of their remuneration packages. Oyster IFA's can appraise existing and advise on potential arrangements providing solutions in the most cost effective way. At Oyster IFA's we ensure that our corporate client objectives are met in the most cost effective way. We will carry out a full financial fact find, usually without charge, before making any recommendations.