Wealth Management

Financial advice that you can trust

How do you want to plan for your future?

Use our Lonsdale Lifetime Financial Planner to monitor your cashflow and maximise your retirement income and protect your family’s financial security.

USE OUR FINANCIAL PLANNER

We are committed to working in partnership with you to achieve your financial goals. We will be open and honest with you at all times, and act with integrity in everything we do. We believe you have the right to expect value for money from us, which is exactly what we seek to deliver.”

Simon Hawker, Managing Director, Lonsdale

Employee Benefits

Protecting your employees for life

Our approach

Lonsdale Benefit Consultants provides a high quality professional financial planning service. We offer you a clearly defined service proposition and a transparent fee structure.

We are committed to working in partnership with you to achieve your financial goals. We will be open and honest with you at all times, and act with integrity in everything we do. We believe you have the right to expect value for money from us, which is exactly what we seek to deliver.”

Simon Hawker, Managing Director, Lonsdale

Pension Trustees

Independent professional pension trustees

When Richard Porter presented I was impressed with his auto enrolment solution for MarketMakers. We were reassured Lonsdale Benefit Consultants had already managed many other auto enrolment pension schemes, and we were confident they could manage our pension provision.

Alan Yonge, MarketMakers, Portsmouth

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Retirement Planning

Auto enrolment requires all employers to automatically enrol certain staff in a qualifying workplace pension scheme, so retirement planning is now a key part of any employee benefit solution. As pension schemes are tax efficient investments many staff will want to enrol into your company pension.

Trust our benefit consultants to work with you to recommend an appropriate company pension scheme that is adaptable and suits the lifestyle and retirement plans of your workforce.

We listen to your company requirements, and work with you to set up a pension plan that works for your company. Pension legislation is complicated and often changing but our experienced team can inform and educate you about these changes. Through our knowledge and experience of pension planning we ensure you invest in the right pension scheme to achieve the required income for your employees.

We will educate your staff about any new pension changes so they can make suitable decisions for their financial future. To help you understand how the new ‘Freedom & Choice in Pensions’ affects you, we have put together information on the financial issues you should consider at different stages of your life.

If employees are members of your company pension scheme they should understand their retirement options and may want advice about whether to purchase an annuity or access flexible benefits or take their pension in a lump sum at retirement.

We offer a flexible pension advice service that can be tailored to your requirements or the needs of your individual employees. Our benefit consultants can arrange to meet employees at your company. We can offer group pension advice sessions or confidential consultations with individual employees. Our Financial Advisers have passed the Chartered Institute of Insurance (RO8) Pensions Update examination, in order to better qualify them to offer you up-to-date pension advice.

We can help your employees:

  • Determine how much to save
  • Decide on appropriate investments
  • Understand and explain the benefit of pensions
  • Review alternative pension schemes
  • Regularly review your goals

Our approach to retirement planning utilises a broad range of products including:

  • SIPPs
  • Personal pensions
  • Stakeholder pensions
  • Group Personal pensions
  • Occupational pensions
  • Annuities
  • Income drawdown
  • Alternatives to pensions
  • Phased retirement
  • Flexi access drawdown

pdfYour Retirement Options – Freedom & Choice: before, at and in retirement

pdfGuide on Retirement Options

 

Pension Transfers

Lonsdale Services financial advisers start with the assumption a pension transfer will be unsuitable. Our financial advisers recommend you read our pension transfer information before contacting us.

Case Study

MarketMakers

With a rapidly growing
young workforce MarketMakers
required a comprehensive auto
enrolment solution.

Auto Enrolment Case Study

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Employee Checklist

  • When do you intend to retire?
  • Do you already have any other personal and/or company pension schemes?
  • Will you qualify for a state pension and when will it start?
  • Have you opted into your company pension scheme?
  • How much have you saved for your retirement?
  • How much retirement income do you require?
  • What level of risk are you prepared to take with your pension?
  • Do you have any other assets that could be used to fund your retirement?
  • Do you want to be able to pass on your pension to a beneficiary?

We have worked with Lonsdale Services over the years and find the help and assistance from them to be second to none.”

Claire Banks, Clegg Gifford & Co Limited, Essex

Case Study

Understanding your financial entitlements

How Deb Nolan added value with her independent financial advice.

Financial Entitlements Case Study
Employee Benefits

Employee Benefits

An effective employee benefits solution helps your company retain key staff by providing the benefits they expect: life cover, income protection and private medical insurance. Offering a company pension enables employees to save tax efficiently for retirement.


Employee Retirement Planning

20-03-2018

Worker and employer auto-enrolment pension contributions to increase

In April 2018 employee contributions will rise to a minimum of 3%, and in April 2019, the employee contribution rate will go up to 5%.

22-12-2015

Pension Regulator publishes draft Defined Contribution(DC) code

The Pension Regulator published a draft revised code of practice for consultation to raise standards of governance and administration

Read more Employee Retirement Planning