Pensions for the corporation

The company advises on Final Salary, Money Purchase, Offshore, Stakeholder and Group Personal Pension schemes; as well as providing advice on:

Group Life
Group Critical Illness
Group Permanent Health Insurance
Group Private Medical Insurance
Flexible Benefits Schemes
Total Reward Statements

Corporate Protection

The company’s expertise in this area covers both Key Man and Shareholder Protection schemes, including the provision of advice on the most suitable type of trusts, cover and appropriate wordings.

Pensions for the individual - Including SIPPs and SSASs

Our consultants act for company directors who hold Small Self Administered Pension Schemes (SSAS) with the largest asset often being the premises from which they trade. In addition, the company acts for individuals who operate Self Invested Personal Pension Plans (SIPP) including arrangements for income withdrawal and Alternatively and Unsecured Pensions.

In addition, a number of the company’s staff are authorised to conduct pension transfer business, each qualified to standards set by the Financial Services Authority to undertake such work. Indeed, other IFAs utilise our expertise in this field as they do not hold the necessary technical qualifications.

Note that the company does not act as Trustees, instead the expertise of partner organisations specialist in this aspect of pensions is called upon.

Investments

The company provides advice on Offshore to Onshore investment vehicles encompassing ISA’s, Unit Trusts, OIECS, Bonds (including Portfolio, Trustee and Corporate Bonds), National Savings and Cash, Bank and Charity Accounts.

Inheritance Tax Planning

The company’s Inheritance Tax Planning advice provides clients with the ability to reduce their future liabilities. Our consultants are familiar with Will Trusts and other mitigation schemes, which have become invaluable with recent changes in legislation.

Mortgages

Radcliffe & Company Mortgages Ltd assists clients to select a mortgage that best suits their individual needs, lifestyle and budget. The service includes expert and experienced advice on any associated protection plans that may be needed.