It's good to check our plans and actions to see if we need to adapt
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Transcript of It's good to check our plans and actions to see if we need to adapt
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@TheBusJourney #SMEJourney
The Business Journey30 August 2016
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@TheBusJourney #SMEJourney
Sam Henderson
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@TheBusJourney #SMEJourney
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Chartered Financial Planning
Sam Henderson
Henderson Stone & Co Ltd
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Lifestyle Financial Planning Pensions Freedoms Business Protection Workplace Pensions
AgendaTuesday 30 August 2016
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Understand Clients’ Desired Lifestyle Establish Actions to Achieve/Maintain Sort out Products, where necessary
Lifestyle Financial Planning
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Pension FreedomsMuch More Flexibility:
Taking Benefits
Passing to Successors
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25% TFC
Pension
Marginal Rate
No IHT
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Business Legacy Issues• Key Person – Profit Protection
• Business Loan Protection
• Share Owners Protection
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1908 (first state pension)
5 shillings per week 49 53
1948 1/6d per week 66 71
2016 £148.40 per week 78 82
2015/2016Life
expectancy at 65 86 89
State PensionLife Expectancy
M F
* Information used is taken from the Pension Regulator
Why Are We Here?
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Mid 2013 1000
PAYE schemes required to register (‘000)
Employers Staging Per Month
Early 20143000
Feb 2016 30,000
Dec 2017 134,000
* Information used is taken from the Pension Regulator
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Who Uses Henderson Stone?
• Business ownersStruggling to deal with another layer of bureaucracy
• Accountants Wanting to insure the most appropriate investment strategy is used
• Payroll Companies Assist in the set up of the framework of the pension scheme
ITS ABOUT THE RIGHT PENSION FOR YOU AND YOUR
EMPLOYEES
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Questions?
Sam Henderson(07710 520307)
Henderson Stone & Co Ltd