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Recruitment and Retention

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A suite of good employee benefits is essential for many employers fighting to attract and retain the right calibre of employees.

We help employers to consider the potential benefits of offering employees access to a wider range of benefits and/or greater choice. We have significant experience of ‘flexible remuneration packages’ and can advise on the tax treatment of additional benefits, both from an employer and employee perspective

Group schemes, such as Death in service and Income Protection are becoming the norm, rather than nice to haves.

Death in service schemes provide a cash lump sum in the event of the death of an employee and can be a lifeline for your employees dependants to help them manage financially if the worst happens.

Income protection provides an income (usually up to state pension age) if the employee cannot work due to a long-term illness or injury. Not only does a group income protection can benefit the employee, it also benefits companies to help manage sickness and rehabilitation costs to enable member of staff to get back to work and reduce the period of absence and impact on the business.

For employers who are new to these types of benefits, we source and implement them to maximise employee engagement to show how they are valued.

For seasoned employers who are already advocates, we review and restructure Group Protection policies and source the best terms available from the whole market​ to deliver the best possible value for money.

Healthcare schemes used to be the preserve of larger companies. Competitive terms are available for smaller groups of people and sometimes individuals through tailored group arrangements which we can advise on.

Employee Benefits

We understand that attracting and retaining good employees is fundamental to long term success.

We help employers to consider the potential benefits of offering employees access to a wider range of benefits and/or greater choice. We have significant experience of ‘flexible remuneration packages’ and can advise on the tax treatment of additional benefits, both from an employer and employee perspective.

We can help by: 

  • Providing or reviewing existing risk-based arrangements, such as Group Life, Group Critical Illness and Group Income Protection plans to ensure these are competitive.
  • Providing advice on the full range and structure of defined contribution and money purchase occupational pension schemes, with the aim of reducing administrative complexity and costs.
  • Reviewing or providing Group Personal Pension schemes (GPPs), Stakeholder schemes, Self Invested Personal Pension Plans (SIPP) and Small Self Administered Schemes (SSAS).
  • Giving clear guidance to employers on the tax treatment of pension contributions, identifying any changes to pension legislation and terms of pension provision for staff.
  • Reviewing existing schemes to ensure their continuing suitability and competitiveness, in terms of both costs and benefits.

The Financial Conduct Authority does not regulate taxation and some aspects of corporate financial planning, occupational pensions and Small Self-Administered Schemes

Where a client’s circumstances require specialist advice, and the local office does not hold the necessary permission from the Financial Conduct Authority, we can draw on the wider specialist expertise available within Perspective Financial Group Ltd nationally. Many of our financial planners hold advanced qualifications in specialist areas of advice, as well as having decades of experience in solving almost all financial planning related issues.

East Anglia
Corporate Financial Planning

Ready for some corporate financial planning advice?

Find out more about how we can help by speaking to one of our financial planners today.

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Perspective (East Anglia) is a trading style of Perspective (Northants and Cambs) Ltd, which is authorised and regulated by the Financial Conduct Authority.

Perspective (Northants and Cambs) Ltd, Registered in England and Wales No 3355843. Registered Office: Lancaster House, Ackhurst Business Park, Foxhole Road, Chorley Lancashire PR7 1NY.

Perspective (Northants & Cambs) Ltd is a subsidiary of Perspective Financial Group Ltd.

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What to do if we didn’t get something right

We strive to deliver the highest possible level of service to every client, every time. If we got things right, we’re always happy to hear that – thank you. If we didn’t, in the first instance, please contact your Financial Planner or their Office Principal about the matter using the contact details on our website.

Should you not be satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows:

The Financial Ombudsman Service
Exchange Tower, London, E14 9SR

Tel: 0800 023 4567 or 0300 123 9123

www.financial-ombudsman.org.uk