Wingate Benefit Solutions (along with our sister Chartered Financial Planning firm, Wingate Financial Planning) have once again been awarded gold accreditation against the Investors in People Standard, demonstrating a continued commitment to high performance through good people management.

Investors in People is the international standard for people management, defining what it takes to lead, support and manage people effectively to achieve sustainable results. Underpinning the Standard is the Investors in People framework, reflecting the latest workplace trends, essential skills and effective structures required to outperform in any industry. Investors in People enables organisations to benchmark against the best in the business on an international scale.

Paul Devoy, Head of Investors in People, said: “We’d like to congratulate Wingate, Investors in People accreditation is the sign of a great employer, an outperforming place to work and a clear commitment to success. Wingate should be extremely proud of their achievement.”

Commenting on the award, Ben Clarke, Managing Director said: “The continuation of our Investors in People accreditation to the Gold Standard is something we truly value as it recognises our passionate belief that caring, supporting and empowering our colleagues helps them deliver exceptional services to our clients”



We take the time to understand the company's culture, beliefs and overall strategy, to ensure employee engagement is maximised and maintained.


Scheme Design

We are not influenced by your current benefits and design; we seek innovative solutions to achieve your financial and employee reward goals.


Employee Engagement

We believe that an established benefits package must be promoted effectively to maximise take-up, increase perceived value and to improve employee health and wellbeing.


Scheme Management

We are committed to remove the burden of benefit management on the employer's HR and executive team, by providing a highly personal and responsive service. We measure our success through your peace of mind that we have everything under control.



We ensure that you meet your corporate responsibilities from the benefit provision. We reduce risks to you by ensuring the benefits you provide are fit for purpose and that you support employees when they need it most.


Established as division of insurance broker.


Growth resulted in separate legal entity.


'Wingate' brand identity launched.


Purchase of financial services division of Folgate Sharp.


Introduced fee-based advice proposition.


Acquired Shepherd Herriott Financial Services.


Focused exclusively on providing advice to employers and their employees.


Acquired Francis Townsend & Hayward (Financial Services).


Implemented first auto-enrolment scheme with over 1,500 employees.


Awarded 'Investors in People' Gold Standard.


Launched our 'Plusyou' benefit communication platform

Won Money Marketing's 'Best Corporate Adviser' award 2015


Finalist in Money Marketing's 'Best Corporate Adviser' and Corporate Adviser's' Corporate Adviser Firm of the year awards 2016


Purchased employee benefit business of PQR Financial Planning

The following does NOT apply to Salary Sacrifice / Exchange or SMART  pension contributions

Basic rate tax relief is automatically added to any personal pension contributions you make from your net pay at the point the contributions are invested into your pension account.  If you are a higher/additional rate taxpayer, you are entitled to claim additional tax relief to reflect this.

How to Claim: The first step to complete this is to obtain a statement of the GROSS PERSONAL contributions that you have paid into your pension account during the tax year from your pension provider. Most pension providers allow you to obtain such a statement online once you have registered to use their online services.

Once you have your statement YOU need to make a claim to HMRC for your higher rate tax relief which you can so in one of two ways:

1.Complete Box 1 of the ‘Tax Reliefs’ section of your Self Assessment (SA100) form 

Enter the total amount of your gross personal contributions on which you wish to claim your higher rate tax relief. Do not include any employer contributions in this figure. During completion of the tax return you can choose whether to receive any tax rebate immediately or via an adjustment to your future tax code.

2. Contact HMRC directly and request your higher rate tax relief

Write to HMRC (Pay As You Earn, HM Revenue and Customs, BX9 1AS) and request your higher rate tax relief either immediately or via an adjustment to your future tax code. We can provide you with a template letter on request to accompany your statement of contributions.

Alternatively, you can call HMRC on 0300 200 3300 and confirm your name, address, National Insurance Number, gross personal contributions during the year and the tax year to which the claim relates.


CARE: Subsequent to your claim, HMRC is likely to automatically change your tax code for future tax years on the assumption, rightly or wrongly, that the same contributions are to be paid in the future. Whilst this provides you with your higher rate tax relief immediately, saving you the need to claim this in the future, it does mean that if this assumption turns out to be wrong to any degree you could end of paying too little tax and owing HMRC money.

As such you must remember to advise HMRC immediately your contributions change,, particularly if these reduce, stop or change to a salary sacrifice/exchange/SMART Pension basis, so that they can re-adjust your future tax code.

Previous Tax Years: It may be possible to claim higher rate relief on pension contributions made in previous tax years if you have not previously done so. The deadline is four tax years after the end of the tax year in which you are making the claim.

As per 2 above in this case you should contact HMRC and provide them with the details of your gross personal contributions paid and the tax years to which these relate. HMRC will then review this and confirm whether or not a rebate is due and if so the amount. Normally HMRC settles any previous tax year claims by cheque.


All statements concerning the tax treatment of products and their benefits are based on our understanding of current tax law and HM Revenue and Customs’ practice. Levels and bases of tax relief are subject to change. This information is not provided as personal advice and should not be treated as such.

It is frightening how time is flying by…… can you believe its almost Easter ?!

It’s a similar story with Auto Enrolment. The Auto Enrolment Staging Dates for the thousands of employers with less than 50 employees are in full swing and in just over a year’s time the final category of employers, those that were established after April 2012, will begin to reach their Staging Dates.


At the same time re-enrolment time is upon the larger employers, which like the original Staging Date project needs planning for well in advance. There are a number of options for employers to choose around re-enrolment and new exempt categories of employees to consider which means it needs advanced planning and a clear employee communication strategy to ensure that everyone knows what will be happening, when and how it will be implemented.

Triennial Reviews

Re-enrolment is also seen as an ideal opportunity to review whether a workplace pension scheme has delivered value for money, particularly considering the efficiency of the contribution payment, joiner, leaver and opt out processes. Since the early years of Auto Enrolment there have been huge developments in solutions to assist employers meet their AE duties and the market is hugely competitive. It also gives employers a chance to review whether their pension scheme’s charges remain competitive, which is key to ensuring the members enjoy as much benefit from the contributions paid as possible.

Pension providers are priming themselves for the reviewing market and we are seeing them offer highly competitive terms to the right employer in an attempt to win their scheme. Its fair to say competition for higher quality schemes has never been greater as fewer of these are now available since the start of auto enrolment. Unless there have been significant service issues with the existing provider or consistently poor returns from its investment fund range n our experience employers don’t generally want to switch their pension scheme to a new provider. As such these reviews are more often used as a leverage with the existing provider to review the existing scheme’s charges to ensure it remains competitive meaning they retain the scheme.

Minimum Contribution Increase

With time seeming to fly by so quickly employers need to remember that in just over 24 months the first minimum contribution increase will be here. Depending on how far in advance an employer budget forecasts and the existing contribution levels being paid this increase may need to be factored into any budget planning sooner rather than later.

This has not only the obvious financial cost implications but it will also have a time cost in that it will need an employee communication strategy. Employers may also want to consider ways in which they can increase employee engagement on pensions to ensure they see a return on this increasing ‘investment’.


If you would like further information and advice on re-enrolment, scheme reviews, contribution changes or workplace pensions in general please contact us at:

01883 332260 or


All statements concerning the tax treatment of products and their benefits are based on our understanding of current tax law and HM Revenue and Customs’ practice. Levels and bases of tax relief are subject to change. This is information is not provided as advice or a recommendation.