Delivering great service

When it comes to service, we believe you deserve the royal treatment. We put people at the heart of everything we do, and underpin our service with technology.

Whether you’re a business are setting up your first scheme or it’s been up and running for a while, we’re here to help.  At every step of the way, you can be assured that your business is in safe hands which is the added comfort of dealing with real people, and that support doesn’t go away.

Taking care of you
Our advisers deliver hands-on support, straight to the heart of your business. And our technical team are happy to help with even the most complex pension questions.

Putting your business in safe hands
Our implementation process makes setting up or moving a scheme easy. We’ll aim to make sure the scheme’s set up right from day one.

Ongoing personal support
The human touch doesn’t stop once your business scheme is set up. Our dedication to service means that we are just a phone call away if you need us.

Engaging communications

It’s good to tell employees about their retirement savings, but it’s better to engage them. That’s why we put so much thought into our communications.

The engagement journey

We believe regular engagement is vital for businesses, and clear and simple communications make that engagement easier. Our communications help encourage the right behaviours that can help businesses aim for a better retirement.

Salary exchange – a better way to save

Salary exchange can add value to your business and your help employees increase their pension amount.  It’s an easy, efficient way to improve an businesses benefits package.

Salary exchange may not be suitable for everyone. Advice is recommended.

What is salary exchange?

It’s an arrangement where employees agree to give up some salary or bonus. The amount given up is used by the employer to provide a non-cash benefit to the employee.

As the employee is being paid less gross salary the employer makes National Insurance Contribution (NIC) savings and the employee pays less tax and NICs.

The benefits

• Employers save on their NIC bill
• Employees save on tax and NICs
• Reinvesting these savings in a pension plan may give employees a bigger retirement fund

Flexible retirement options

It’s good to have options. But it’s better to have choice and flexibility. A range of retirement options can adapt to suit employees’ needs.

Secure income
Employees can enjoy a guaranteed regular income for the rest of their life, by buying an annuity.

Flexible access
Income drawdown facility, Income Release, lets employees take the income they need, when they need it.

Cash payment
Employees can take some or all of their retirement savings as a cash lump sum.

Leave it for now
Employees can leave their savings where they are, until the time is right for them.