Leaving the trustee body

Disembarkation – How do you leave your organisation’s trustee body?

In my last couple of blog posts (see here and here), I’ve talked about why a non-conflicted, pension governance structure can work well for a pension scheme sponsor.  We’ve also established that there are some key advantages, as a business owner or FD, to evicting yourself completely from your organisation’s trustee body. This might not be for everyone, and so … Continued

What is Auto-Enrolment?

What is Auto-Enrolment? Auto-Enrolment means that employers have to, automatically, add eligible employees to a Workplace Pension. If you don’t think you’ve been added to your employer’s pension scheme but you are entitled to a Workplace Pension, then you should ask your employer about this. See also Who is entitled to a Workplace Pension?

Who is entitled to a Workplace Pension?

Who is entitled to a Workplace Pension? Anyone who is over 22 years old and under state pension age, and earns at least £10,000 a year, working mainly in the UK. If you are working, the odds are that you will be entitled to a Workplace Pension as this includes the vast majority of adults … Continued

When can I take my pension?

When can I take my Workplace Pension?

When can I take my Workplace Pension? For most people, you will be able to take your pension once you reach age 55. However, this will depend on the rules of the pension you are in. There are also circumstances where you may be able to take your pension earlier than age 55. For example … Continued

Can I opt out of my Workplace Pension?

Can I opt of out my Workplace Pension? Yes, you can choose to opt out of your Workplace Pension, and can do this by letting the pension company know. If you don’t know which company this is, then ask your employer and they will give you the details. If you decide to opt out of … Continued


What is a Workplace Pension?

What are workplace pensions? People often use the phrase Workplace Pension (ie having your employer provide you with a pension) in conjunction with auto-enrolment (having your employer automatically add you to their Workplace Pension). A Workplace Pension is a tax efficient way of saving for your retirement (or your later years) that is arranged by … Continued

Tidy desk, tidy mind, conflict-free FD

The conflict-free FD – how does it feel to be free?

The conflict-free FD Have you ever escaped from a city to the countryside? If so, you might have experienced that moment, two or three nights’ in when you wake in the middle of the night, alert and wondering what’s wrong. It’s the lack of background noise. No sirens, traffic horns or people shouting on the … Continued

Influential sponsor

The Independent, Influential Sponsor

In amongst client work and the various networking events I attended last week, I had an interesting conversation with a finance director of a family owned business who, in my mind, has managed to get themselves into a very nice, independent but influential position with regards their final salary pension scheme. Quite often, I find … Continued

Desktop dashboards

Dashboards – what’s your strategy?

It felt good to hear the confirmation of the Government’s backing for dashboards announced by Amber Rudd yesterday. I’ve long been an advocate for advancing our industry and the customer experience of it by using technology. In a nutshell, when they become reality, dashboards are going to empower people to make better decisions around their … Continued

What is a workplace pension?

What is the Workplace Pension – and is it worth it?

What is the workplace pension? The Workplace Pension. Sounds quite scary but it is actually quite simple. Your employer will set it up for you and it is, simply, a tax efficient savings account which you can access in your 50’s, under current legislation. There are rules about the minimum you pay in, and the … Continued