Corporate and Work Place Schemes
Clinics available from your employment or in the Public Service
We can meet staff as a group or individually in your place of work. This can be with your union and other groups. As brokers, we do not restrict your choice to one firm, but we give you a wide open choice of savings products and advice on how to achieve your savings goals.
We offer impartial advice on:
Mortgage & Investment Brokers can:
1. Mortgages and Investment Brokers have access to 10 pension companies
2. Mortgages and Investment Brokers offer clients impartial advice on setting up a pension plan
3. A broker’s advice is impartial and based on the needs of the individual client.
4. Brokers can review a client’s pension plan
5. All brokers can advise on how a client can maximise their tax relief
6. Brokers asset clients in accessing PR-Retirement Planning
7. A broker helps a client, especially a client with health complications, to access their pension
8. A broker will advise on retirement planning and finds a plan to match the client’s unique retirement requirements
Individual or Work Place Pension
Buy out Bonds
Numerous pensions,
Senior manager often find themselves with a collection of previous pensions. We can advise on whether to transfer or not to transfer old pension arrangements
We can help client’s access cash before retirement from previous pension schemes.
Almost all pensions allow the option to take a part of the fund as a tax free lump sum. Ask about AVCs and how you can target these to enhance or maximise your tax free lump sum.
Group / Corporate Pension
We advise companies on the advantages to having a group plan.
We advise companies on best trustee arrangements.
We compare costs of new and audit existing schemes.
We provide a review service to trustees and members.
We advise on Pre and Post retirement Planning.
Group Life Assurance and Group Income Protection
Employers may not be aware that group protection is remarkably cheaper and easier to obtain than individual cover. It is almost inevitable that your firm and staff will have the need for these benefits. All too often we hear of a staff member dying leaving a young family without income or a loyal member of staff suffering an illness or accident with only social welfare to replace his income, pay his mortgage and feed his family.
Group protection is essential in today’s competitive employment market. It can be a very tax efficient benefit for employer (tax deductible) and employee. (no bik). As it is a year to year contract with a 3 yearly price review it costs a fraction of private life cover or disability protection.
There is minimal underwriting. So members who were rejected for personal policies can be included on group life at no extra cost.
Existing Group Protection
If you have this cover already when was the last time you received written price comparisons? Our experience with new employers noted that this was quite rare Group Protection
All we need to provide a quote is a list with
1. Members’ Age / D.O.B
2. Basic Salaries
3. Sex
4. Job Description
We provide the best advice service. If you would like any more information on this contact Mortgage & Investment Brokers for impartial advice.
**Also Ask about Group Savings funds and Group private medical.**
Individual or Work Place Pension
Mortgage & Investment Brokers will:
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Talk you through the various points of a personal or group pension
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Our mortgage and investments brokers will compare your pension with pensions on the current market
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They advise on every step to make sure the client has the right pension for their requirements
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They can offer expert advice on pre and post-retirement planning
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A review service is also available
Group / Corporate Pension
Mortgage & Investment Brokers will:
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Can offer expert advice to companies on the advantages of having a group plan pension
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Advise on the best available trustee arrangements
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They can audit existing schemes and compare the costs of new schemes
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Provide service reviews to members and trustees
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Advise clients on the best practices regarding Pre and Post-retirement Planning
Self-Employed Pension
Mortgage & Investment Brokers will:
Can advise the self-employed on the tax advantages of retirement planningCan offer a comparison service that accesses a current pension plan against the pension marketCreate flexible payment arrangementsAdvise on how company assists can be transferred to the individual as tax efficiently as possiblePre and post-retirement Planning adviceIndividual Property - individual namesIndividual bonds
Self-Directed Pension and Self-Administered Pension
The owner of a business, or a person in a key role within the organisation may want a different pension arrangement.
The pension can be invested in shares and bonds or in an individual property. Many owners and proprietors use pension arrangements to transfer company assets to their own name tax efficiently.
Mortgage and investment brokers can advise on pre and post-retirement planning.
Pension Warning
Warnings