Crawford Davis Logo
Crawford Davis Contact
Get a Quote Now
Pension Reform

Are you ready to take responsibility for pension reform?

You are probably now aware that the new pension reform legislation came into force in October 2012 and will have an effect on all companies over the next 4-5 years. It will bring substantial changes to the provision of pensions in the workplace, and will affect all employers and employees.

Crawford Davis is part of the Towergate / CCV group, the largest independently owned broking chain in Europe and as such can recommend, Towergate Financial Services.

Towergate Financial provide advice on an ongoing basis to ensure that contribution rates remain at the correct level and that suitable fund choices are offered, selected and maintained. Also where appropriate we will utilise salary exchange to enable the member and the employer to use some of their national insurance effectively, enhancing contributions and tax relief.

Towergate Financial are happy to audit your existing pension scheme arrangement and discuss the options available and your requirements. The first meeting will be free of charge where we will provide you with a complimentary corporate financial review. The review service provides a snapshot of your current business structure, followed by recommendations on how potential improvements can be made to your existing arrangements.

Are you paying for your own life assurance premiums?

A Relevant Life Plan is a stand-alone life cover, which can be for the benefit of an individual’s family, but can also be tax efficient for the individual and the company. So why not get the taxman to help pay for their life cover? Relevant Life Plans may be suitable for directors, high earners or senior employees.

Although the company makes the payments, they’re not treated as a benefit-in-kind, and so would not be included in the individual’s personal income tax assessments. This can be a significant saving, particularly for a higher-rate taxpayer. These payments may also be treated as an allowable expense for the company in calculating their tax liability.

Are your employees in the right Medical Insurance Scheme?

It may have been a while since you reviewed your Group Private Medical Insurance policy and its terms and conditions. Towergate Financial are both a leading and prominent player in this complex market place and delivering quality service to our clients is their primary focus.

We are happy to recommend Towergate Financial Services to provide a free audit of your existing arrangements as they have access to exclusive medical insurance schemes and can cover nearly every eventuality.

Please contact Stuart Langley 01903 875420 if you would like further information.

This advert has been approved by Towergate Financial and does not constitute financial advice.

Towergate Financial is a trading style of a number of independent financial advice (IFA) businesses within the
Towergate Financial group of companies.