Pensions & Investments

Pensions Auto Enrolment - Work Place Pensions

A workplace pension is a way of saving for your retirement that’s arranged by your employer.

Some workplace pensions are called ‘occupational’, ‘works’, ‘company’ or ‘work-based’ pensions.

How they work

A percentage of your pay is put into the pension scheme automatically every payday.

In most cases, your employer and the government also add money into the pension scheme for you.

The money is used to pay you an income for the rest of your life when you start getting the pension.

You can usually take some of your workplace pension as a tax-free lump sum when you retire.

If the amount of money you’ve saved is quite small, you may be able to take it all as a lump sum. 25% is tax free but you’ll have to pay Income Tax on the rest.

More information on our Pensions & Investments services


A No Obligation Process

At Premier Financial Group, all of our clients have the opportunity to receive a no obligation pension review and recommendation report.

Financial Services advice is based on individual circumstances and through our carefully trained listening skills, we can pick up on what you want to achieve and then help you get the best from your meeting. Should you wish to, you can check us out on the Financial Services Register. fsa.gov.uk

Investment Advice

At Premier Financial Group we want to ensure that all our clients, regardless of the size of their investment, receive appropriate impartial advice on investment options and strategies. At all times you will be informed of the costs associated with the different options and what levels of services each option will deliver. This will allow us to agree the most appropriate solution for you.

Whether you trade frequently, already hold a large amount of assets or want to build your own investment portfolio, we provide specialist advice to create or modify investment portfolios according to your income requirements, attitude to risk and taxation status.

Investment planning is such a complex and crucial area that few clients can hope to have an in-depth understanding of all topics. We believe employment of dedicated professionals is the only effective way forward.

We deliver the same standard of care and attention whether our advice is sought on a small windfall such as the proceeds of a policy, an inheritance or maximising retirement benefits from lifelong savings.

Employee Benefit Advice

Premier Financial Group can advise on and implement new group pensions and review your existing arrangements to ensure they meet the government’s proposed future legislation. There are also benefits to a company such as tax relief for employee contributions and assisting with staff retention.

Auto-enrolment and workplace pension reforms will affect every single employer in the UK. Make sure you’re prepared. Get a headstart on what you need to know about workplace pension reforms, auto-enrolment and NEST (National Employment Savings Trust). Discover how the reforms will affect you and your organisation and discover the steps you can take now to minimise the impact.

Protecting your business from unexpected problems be it the death of a partner, or a key employee. At Premier Financial Group we can provide Business protection advice. This could be Keyman insurance or Shareholder protection but these are just two of the numerous areas we cover, each plan is tailored to the needs of each individual business.

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