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Financial Planning for Employers

Retirement Planning

Group Pensions

A Group Pension is a pension scheme set up under trust for the benefit of employees. Typically these are set up as defined contribution arrangements with tax relief available for both employers and employees.

 

PRSAs

These are individual pension contracts which employers are legally obliged to provide access to, if a Group Pension is not available to all employees.

 

Employee Protection

In addition to providing employees with access to a pension scheme, employers can provide Life Cover and Permanent Health Insurance benefits as part of the overall employee package.

 

Trusteeship

BHP can make arrangements so that employers and company directors do not have to act as trustees for staff pension schemes.

 

Business Protection

Company Directors Cover

This cover can be arranged for the unfortunate event of the death of a Company Director. On death, a lump sum would be paid out, enabling the surviving directors to buy the deceased person’s shares from their next-of-kin.

 

Key Person Cover

Where a company employs an individual whose death would have a serious financial impact on the company, a life insurance policy can be arranged to compensate for this potential impact.

 

Corporate Investment

Lump Sum Investment

Do you have money sitting in your company bank account that could be earning more growth ? BHP can provide guidance in relation to the many options available in the market.

 

Regular Savings

You may want to earn interest on your capital but you also need liquidity in the short-term. A regular saving contract will allow your money to grow without having to release a large amount of capital.