We advise on all areas of financial planning within the corporate market.
We also assist directors with their personal financial planning. Our aim is to ensure that businesses have tailor-made solutions to allow directors to focus on their key role - to make their business develop and flourish.
Financial Planning for Directors
Cross option agreements
Shareholders agreements / cross option agreements are essential to ensure that directors have an agreed mutual plan to ease the burden on the death of one of them. These need reviewing on a regular basis to ensure they are fit for purpose.
Our pension portfolio for companies incorporates advice, implementation and on-going service to both directors and members.
This is important to ensure directors are maximising tax efficiency through how they draw their income.
Relevant Life Plans
Suitable for directors who wish to set up life cover for themselves and offset the premiums against corporation tax liabilities.
Used to compensate for the financial impact of the death of a key member of the company.
Employees today are more financially aware and often expect their employers to provide pension, protection and healthcare benefits as key elements of their remuneration packages. These benefits are becoming an increasingly important element in the battle to recruit and retain high quality staff.
With this in mind, it is vital that employers take impartial and independent advice in order to achieve value for money, whilst developing a motivated workforce.
At Emery (IFA) Ltd, we put together packages covering all benefits which are designed to meet each individual company’s objectives. We also advise and carry out full appraisals of existing arrangements to ensure their suitability and cost effectiveness.
This is proving to be a minefield for directors and we aim to simplify the process and give specific and clear guidance as to the route that each company should take.
We will undertake a full review of the current benefits to ensure that they offer the best possible value for money for both employer and employee.
This gives employers the opportunity to offer a menu of benefits enabling employees to select those most valuable for their individual circumstances. This is extremely cost effective since irrelevant benefits can be avoided.