Advice for businesses

Our corporate clients wish to make sure that they comply with tax and legislative changes whilst seeking to maximise retention of staff, their most valuable asset.

We can give you the impartial advice necessary to ensure that your firm's financial planning will not only be tax-efficient, but that the investment you have made in your staff is returned to you with dividends by keeping down the costs associated with high staff turnover.

Income Protection

Income Protection Insurance (or Permanent Health) provides an income to your employee if they are off work for a prolonged period due to sickness or accident.

Private Medical Insurance

Private Medical Insurance is a valued employee benefit; its provision can aid recruitment and retention of staff whilst promoting employee loyalty. Common causes of sickness absence from work are back pain, upper limb disorder (otherwise known as repetitive strain injury) and neck pain. If employees have Private Medical Insurance, they can be seen almost immediately by a consultant. This should help them get back to work more quickly.

Death in Service cover

Many employees now expect life cover as an integral part of their benefits package. Death in Service cover is a form of life assurance which will pay out a fixed sum, normally calculated as a multiple of salary. The policy provides security for your employees' dependants and is tax-efficient, as the sum assured is payable free of income tax.


Setting up the right pension scheme for business owners, directors and their employees can be a complex and time-consuming task, with many options available. Supportive Financial Planning will help you decide on the most suitable pension for you and your employees.

Stakeholder Pension Schemes

Stakeholder pension regulations came into force in April 2001 and have had important implications for employers and employees. All employers who have 'relevant' employees are required to offer them access to a stakeholder pension scheme unless they are exempt. Failure to comply with these new regulations could lead to a fine of up to £50,000.