Why Use Johnston Financial
Providing the right remuneration and benefits package is crucial to the ability of a business to recruit, retain and motivate the right staff.
Johnston Financial's specialist employee benefits advisers are here to help you in all aspects of your benefits package:
- design
- implementation
- communication
- management
- administration
- HMRC
- actuarial (stategic relationship)
Legislation surrounding pensions has changed so much in the last 40 years that employers often have complex legacy issues to resolve around old schemes, particularly final salary (also called defined benefit) schemes.
The Pensions Act 2005 simplified the pension regime providing extremely valuable financial and tax planning opportunities, especially for business owners. However, almost every year since new legislation has changed annual and lifetime limits for those with larger personal pension contributions or funds. Johnston Financial can provide you with a detailed understanding of how these changes could affect you.
The seismic changes that will be introduced between 2012 and 2014 around auto enrollment of employees, compulsory pension contributions and the new National Employers Savings Trust (NEST) will add a layer of cost and administration for all employers that Johnston Financial are ideally placed to advise you on and to assist you in devising and implementing solutions.