Solutions for Business
solutions for business
For all matters concerning your business, look for guidance and assistance from the experts at JWA Financial Planning.
Warning: The Financial Conduct Authority does not regulate taxation advice
auto-ENROLLMENT
Perhaps you are struggling to find the time for this or not sure where to start. But it can’t be put off and failure to get your scheme up and running on time can result in financial penalties.
So let us take the worry off your hands.
We can provide a complete solution, working together with your HR team to plan and implement your scheme and guide you through each stage.
An exploratory meeting will allow us to understand the most appropriate solution for your business and will allow you to understand the likely costs and timescale.
business continuity
Key Man Insurance
Does your small or medium sized business rely on a small number of key people whose absence through illness or accident could have a serious financial impact and could even lead to ceasing to trade profitably or at all?
A Key Man Insurance Policy can be arranged to pay out (to the business) if through death or illness or injury one or more key individuals are unable to fulfil their duties. The business can use the sum assured to cover recruiting costs or lost profits.
This type of policy can be purchased by the business. The cost of key man insurance depends on the level of cover required and the term.
Click here to find out more about how to protect your business against this significant risk..
Shareholder Protection Insurance and Cross Options Agreement
Shareholder Protection Insurance provides that in the event of the death of a shareholder the remaining shareholders are able to purchase the deceased’s shares. The cross option agreement is a shareholder agreement that provides the mechanisms for ascertaining the value of shares and ensures both that the firm is able to continue with clear arrangements for control whilst the family of the deceased are not forgotten.
The are pros and cons of this form of insurance. There are a number of ways of arranging it and there are some potential pitfalls. There are also potential taxation implications – both capital gains and income tax.
Click here
to request a call-back from adviser versed in business protection and for a no-obligation, free chat about the role of insurance in managing your business risks.
Warning:
If premiums are not maintained then cover will lapse. Most Protection policies do not have a cash value, unless a valid claim is made’
investments
Are your business assets working for you as hard and efficiently as they could be? Have you optimised your pension arrangements?
- Executive Pension arrangements for directors
- Commercial finance
- Commercial property within your pension
Reward and strengthen staff loyalty.
You have invested a great deal in your team and they have become a significant asset. Losing staff can be disruptive and recruitment can be expensive so it makes sense to keep your team together.
Staff benefits can be an important part of the remuneration package and are valued by staff.
Salary Sacrifice for Pension Contributions
- The Tax efficient way for staff to make contribution to your autoenrollment pension scheme. Click here
to request a call-back from one of JWA’s Pension Advisers about how you can implement this benefit.
Death In Service
- Protect the wider family, peace of mind for your employee. Click here
to request a quotation
Private Heath Insurance
– group schemes to protect your employees and their dependents, ensuring the quickest back-to-work in the event that treatments are required. Click here
for further information and to get a quotation.
We will work closely with your shareholding colleagues, accountant and other professional advisers to assess the risks and opportunities in your business, to understand your wishes and to design and implement measures to protect your business and optimise your investment.
- Business protection
- Key man insurance
- Executive pensions
- Staff benefits
Contact
Call us for a no obligation review.
Technology Business Centre,
2 Alexandra Gate,
Ffordd Pengam,
Cardiff,
CF24 2SA
© 2024. The content on this website is owned by us and our licensors. Do not copy any content (including images) without our consent.