Benefit promotion

We help you to understand the benefits available, ensuring you achieve the greatest value from the package implemented by your employer. This is an ongoing commitment from us.

Benefit enrolment

Whether you have access to our online portal for voluntary benefits or your benefits are provided automatically, our members’ helpdesk will support you in accessing your benefit entitlement.

Benefit engagement

We will help you get the greatest value from the benefits provided; this could be helping you understand what is on offer, making claims and guidance on any other queries you may have.

Annual Member Engagement Invitation

We contact every member of the pension scheme to offer them our pension scheme member services.

Member Helpdesk

Unlimited access to our employee benefit help desk.

Goal Based Retirement planning reports

These reports are designed to provide a summary of an employees overall retirement provision and includes all the pension benefits and investment entitlements that you have accrued to date, not just your current employers scheme. The report will illustrate in annual income terms what your current pension benefits are projected to provide at the time you wish to retire and how this compares to the level of income you are targeting for your retirement. If there is a shortfall, the report will provide details on how this can be addressed.

Retirement Service

We offer personal advice to you as you approach your retirement.

Investment Services

We recommend and monitor three risk rated investment funds which are categorised as ‘cautious’, ‘moderate’ and ‘adventurous’. These funds automatically reduce their risk as employees approach their selected retirement date. We assess an employees attitude towards investment risk and then map them to the most suitable investment fund.

New Employee Information and Advice

We issue documents for new employees which provide information on the key features of the pension scheme, contribution options and if applicable, salary exchange.

What is financial planning?

We help you to identify and prioritise your long-term objectives, that will take up your time and money throughout your lifetime. We empower you to make informed decisions about your money that will help achieve these goals.

How can you help me with my financial goals?

We work with you to create a plan which enables you to achieve financial independence. We then review and maintain this plan to to provide you with peace of mind that you have enough resources, and are “on track”.

How much is enough?

We use sophisticated cashflow planning software to model your lifetime income and financial resources. This helps us to make appropriate recommendations that maximise your chances of living the life you want to, without the worries that you could run out of money.

 

 

What is Cash Flow Planning?

We analyse your income and expenditure and forecast this for your future lifetime taking in to consideration your personal circumstances, savings and debt along with your short, medium and long term goals.

These goals could including funding your children’s or grandchildren’s school or university fees, purchasing a second property at home or abroad, understanding when you want to slow down and ultimately stop working to travel more and live your dreams and ambitions.

We use advanced planning tools to create a lifetime cash flow plan which will identify how likely you are to achieve your goals and help you prioritise and identify the actions you may need to address to aid your journey towards financial independence.

Is this service right for you?

The service is designed for individuals who want to take control of their financial future and understand not only where they are heading but also the implications potential decisions or events may have on their future cash flow and financial goals.

Creating your Plan

We work with you to gather details about your current financial situation; your assets, liabilities and expenditure.  We listen to your hopes and dreams but also to the worries that keep you awake at night and help you to clearly define your most important goals.

We then create your plan and test various scenario’s to reflect some of the uncertainties that life brings