View across the River Thames from Windsor to Eton.

Group pensions and auto-enrolment

Ensure that your responsibilities towards your staff and government requirements are met by setting up your auto-enrolment or group pensions scheme.

Meet the auto-enrolment requirements

Every employer must automatically enrol eligible workers into a workplace pension scheme.

Eligible workers are employees who are between the ages of 22 and state pension age and employees who earn more than a set baseline salary.

Auto Enrolment started 1st October 2012, beginning with larger employers and gradually progressing through to the smallest employers.

Non-complying companies face quickly escalating consequences, possibly culminating in criminal prosecution and asset seizure.

Penalties can be avoided with efficient planning to ensure that schemes comply with the new rules and that administrators are confident with the processes.

We are here to help you, so please feel free to contact us. We are proud of our reputation for providing sound, practical and impartial advice with no pressure and no obligation.

Group pension schemes

Every employer is different and will have varying requirements and needs.

Essentially, a group pension scheme is set up by you the employer and then run and administered by a pension provider. Both the employee and employer can contribute to the group scheme. The amount you as the employer puts into your group pension will depend on how much the employee is willing to save into it. You may wish to match your employee's contributions, or you could be more generous as part of your employee retention scheme.

Employees that leave the organisation are likely to be able to continue to make their own contributions to the scheme, as the contract is between them and the provider. This can be quite an attractive proposition when compared with a traditional occupational pension where the pension becomes deferred when the employee leaves prior to retirement age.

We can help guide you to the right solution for you and your employees.

"I've just had my first meeting with my new IFA, Helen Fraser. Just wanted to let you know how impressed I am with her, both as a Financial Adviser and as a person! She fits right into the Orchard ethos - approachable and empathetic as well as financially skilled - and I can see why she's working with you - well done for finding her. Keep her, I like her! :)"

"Excellent investment advice for my client, very easy to do business with."

"Your (Steve Hedges) knowledge of the financial market is exemplary and savings that you helped us make way offset the charges incurred. We both felt at ease and were confident that your advice would be beneficial to us."

"I'd really like to recommend Stuart Logan of Orchard House IFAs, who has
just come to give us some financial advice. This is the third time we have used Stuart. As usual, he has offered some really interesting and useful advice, and we have been really impressed every time we have used him."

“Damian was incredibly helpful in re-phrasing in simple terms to allow me to better understand the questions being asked. He was absolutely incredible and made, what I expected to be a difficult process, incredibly easy. I have great trust and faith in Damian. Thank you” ~ Kelly Hobbs

"Helen is wonderful and she does her best with someone who really struggles with figures and financial concepts" ~ Elisabeth Skinner on 07/03/2019

"I find Stuart to be curious, helpful and massively professional, thank you!" ~ Nikki Watkins on 19/06/2019

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"Tricia and I would like to thank you for all the advice and help that you have given us over the past couple of years. Your knowledge of the financial market is exemplary and the savings that you helped us make way offset the charges incurred. We both felt at ease and were confident that your advice would be beneficial to us. On another note, the investments made for a close friend helped to make her final few years comfortable in the knowledge that her financial affairs were in such good hands and  that her capital will still intact on her passing. I have and will continue to recommend you at every opportunity" ~ James and Tricia Rice on 15/11/2017

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Financial planning and advice for people and businesses across Berkshire, Buckinghamshire, Oxfordshire, Hampshire, Surrey & beyond.