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@TheBusJourney #SMEJourney
The Business Journey30 August 2016
@TheBusJourney #SMEJourney
Sam Henderson
@TheBusJourney #SMEJourney
Chartered Financial Planning
Sam Henderson
Henderson Stone & Co Ltd
Lifestyle Financial Planning Pensions Freedoms Business Protection Workplace Pensions
AgendaTuesday 30 August 2016
Understand Clients’ Desired Lifestyle Establish Actions to Achieve/Maintain Sort out Products, where necessary
Lifestyle Financial Planning
Pension FreedomsMuch More Flexibility:
Taking Benefits
Passing to Successors
25% TFC
Pension
Marginal Rate
No IHT
Business Legacy Issues• Key Person – Profit Protection
• Business Loan Protection
• Share Owners Protection
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?
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
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
Questions?
Sam Henderson(07710 520307)
Henderson Stone & Co Ltd