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I am a company Director with NO employees, do I need a workplace Pension?

One question we get asked a lot in relation to the Workplace Pension rules is, I am a company Director with NO employees, do I need a Director Workplace Pension?

The simple answer is no, however you will still have to notify The Pensions Regulator (TPR).

Directors Workplace Pension

Directors Workplace Pension

Automatic enrolment duties don’t apply when a company or individual are not considered an employer.

You won’t have any duties if you meet one of the following criteria:

  • You’re a sole director company, with no other staff
  • Your company has a number of directors, none of whom has an employment contract
  • Your company has a number of directors, only one of whom has an employment contract
  • Your company has ceased trading
  • Your company has gone into liquidation
  • Your company has been dissolved
  • You no longer employ people in your home (cleaners, nannies, personal care assistants, etc).

Complete the return form online.

If you are not setting up a Workplace Pension for yourself, then talk to Assured Wealth IFA Warrington  about other tax efficient way’s of saving for your retirement.  Book a FREE review today with a Warrington corporate financial adviser.

Auto enrolment – Top tips for businesses planning for their workplace pension scheme

Auto-Enrolment is fast approaching for many businesses, a lot of which have no experience in dealing with pensions or indeed setting up a pension scheme. Assured Wealth has come up with some tops tips to make sure that your business is ready for Auto-Enrolment.

First of all, planning is essential in Auto-Enrolment and the extent of the amount of planning required shouldn’t be underestimated. It is recommended by The Pensions Regulator that businesses should start planning 18 months before their staging date but many have ignored this advice which has resulted in penalties and fines. 600 businesses alone were fine a total of £66K in quarter four of 2014. Leaving it until the last minute will result in less choice between pension providers, increased admin, higher fees and a lot more stress.

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