• Tax relief on contributions paid by the employer
• Tax relief on contributions paid by the employee
• Employer contributions are not classed as a 'benefit in kind' for the employee
• Pension fund investments grow free of taxes (other than dividends on UK shares)
• Part of the pension fund may be paid as a tax free lump sum at retirement

Pension legislation is, by necessity, complex but at the same time, it is vital for employees to fully understand the pension scheme they are joining. We therefore provide all pension scheme members with a plain english 'question and answer' booklet individually tailored to reflect the terms of your pension scheme.

We offer regular, on site, 'pension clinics' to deal with individual queries relating to joining the scheme, leaving the scheme, retiring, choosing investment funds, changing contribution levels etc.

We pride ourselves on providing a 'hands on' service. We offer full support to employers and employees alike, to ensure pension schemes are set up correctly and operate efficiently. Where a change of provider is necessary, we ensure that this is handled with minimal disruption to your business.

We have the knowledge and expertise to advise upon and administer all forms of pension arrangements. Seven staff are employed in the Group Pensions Department and between us, we have more than 80 years experience in pension scheme administration.

We can also arrange ancillary benefits such as group life assurance, group permanent health insurance, and group medical care at competitive rates.