LB Financial

Tel: 01245 806 312

Workplace pensions

The FCA do not regulate auto enrolment.

The value of pensions can fall as well as rise, you may get back less than you invested.

You may be aware there are changes happening regarding pensions that will affect you and your workers.

As an employer you will be required to set up a qualifying pension scheme, if you don't already have one, make contributions to the pension for all eligible workers, collect your workers contributions, manage the pension scheme and report to the Pensions Regulator.

Our clients we have spoken to regarding their new obligations have found it very difficult to find the right information for their specific circumstances. They will be directing you to their website where there are 12 guides, which each consist of over 30 pages of technical information, to help you understand the 218 obligations you must meet!

The questions being asked of us include;

  • When will this start?
  • Who does it affect?
  • Does everyone qualify?
  • How much will it cost?
  • Can this be reduced?
  • What happens to our current scheme?
  • What happens if we don't do it?


To assist all clients navigate their way through these new requirements we are offering an Initial Analysis Report specific to your business. We will collect details in relation to your current staffing and payroll structure and compile a report, in an easy to understand user friendly format. This report will provide you with the answers to the above questions - tailored to your business.

Once we have completed this Initial Analysis Report, and set a time line for you to work to, we can help you design and implement a scheme that is both cost effective for you and beneficial to your workers.

Please don't wait to start your planning for this mandatory change. With every employer in the UK needing to arrange a suitable scheme the industry faces a tough challenge to cope with this volume. We are fully expecting there to be very long delays in processing new scheme applications so we are advising all our clients to act sooner rather than later to ensure they are covered.

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Swift House,
18 Hoffmanns Way,
Chelmsford, Essex,

Tel: 01245 806 312

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