Executive Pension Plan

 

 

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Director / Executive Pension Plan (EPP)

Executive Pension Plans (EPP) are tax-efficient savings plans set up by the company for key employees. The employer (and sometimes the employee) pays into the plan, to build a tax-efficient fund, which is used at retirement to provide tax free cash and a pension income. In effect, EPPs are money purchase occupational pension schemes and operate for the most part like any other pension scheme.

EPPs are normally established by company directors or other valued employees for their own benefit, though, only the favoured can expect to be given the levels of investment that these schemes offer.

From an employer’s perspective, an EPP can form the core of a benefits package to attract, motivate and reward key executives. Additionally, there are financial benefits as contributions are allowable business expenses and can be set against taxable profits. Furthermore, there is no NIC liability and so extra pension contributions into an EPP can be made instead of salary increases.

The pension fund is set up under trust, with the trustees responsible for the trust’s day-to-day administration, such as ensuring contributions are paid regularly and benefits are paid out promptly.

For the individual, there is flexibility of retirement, allowing the person to retire early and hand over to others (although benefits can only be taken from age of 57) or to work well past the company’s normal retirement date.

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THE VALUE OF PENSIONS AND THE INCOME THEY PRODUCE CAN FALL AS WELL AS RISE. YOU MAY GET BACK LESS THAN YOU INVESTED.

TAX TREATMENT VARIES ACCORDING TO INDIVIDUAL CIRCUMSTANCES AND IS SUBJECT TO CHANGE.

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Janet G

Relevant advice

The individual advisor I deal with always provides helpful and balanced, and prompt guidance and support.

MM & DM

“ Over the last 16 years Warwick Road/ Beard and Coles have looked after us and given expert help and advice on all aspects of financial planning. Chris Downham and his colleagues have always offered support and guidance when we need it as our situation and our finances have changed over the years. They have always been there if we have any questions, offering a friendly service. We highly recommend this company. ”

Paul G

I approached Warwick Row back in the summer of 2020 with the goal of retiring before the end of March 2021. I had concerns about managing my pension and getting the best return on my investment while ensuring it met my requirements and acceptable risk levels. Fortunately, I was connected with Joshua Exley, who immediately put me at ease and made me feel confident in his expertise.
 
Throughout the process, Joshua was incredibly supportive and informative. He walked me through all of my options and helped me identify the best strategy for my needs. Thanks to his guidance, I was able to retire at 57 with a comfortable pension that will last far longer than I ever thought possible.
 
One of the things I appreciate most about working with Warwick Road is the 24/7 visual access to my pension. It's reassuring to be able to monitor its performance and have Joshua available to discuss any concerns or questions I have. The experience has been easy and stress-free, thanks to Joshua's understanding and friendly approach.
 
Overall, I highly recommend Warwick Row to anyone who needs help managing their pension and making the most of their investment. They offer professional and personalized service that can benefit anyone, especially those with little to no knowledge of pensions.
 

Ann P

Excellent company

Would definitely use this company again. Nothing was too much trouble. Kept us up to date with everything. 10/10

Andrew D

Good professional and personal advice

I would recommend Warwick Road Financial services to anybody who appreciates personal service and a business with a face. Helpful and honest.

 

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    Beard and Coles Financial Planning, Gold Financial Services, Inspire Financial Partners, White Eagle Finance, Robinson Sharpe Financial Planning, Cathedral City Financial Services, Hoare Jacques Financial Planning, Market Wide and The Partnership Southampton are trading styles of Warwick Road Financial Services Ltd an appointed representative of Quilter Financial Services Limited which are authorised and regulated by the Financial Conduct Authority.

    Warwick Road Financial Services Ltd registered address: Office 5, The Forest Rock Offices Leicester Road, Whitwick, Coalville, Leicestershire, United Kingdom, LE67 5GQ. Registered in England and Wales No. 09303523.

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