Description
Our Corporate Services combine both advice and administration for employee benefit and corporate
protection packages. SMG FS Ltd have developed expertise in these key areas over many years and the
necessary assistance is provided to many client companies, their directors and their employees.
SMG FS Ltd are committed to "independent financial advice" which enables us to locate the most
suitable solution for our clients' needs. Government legislation is constantly being introduced
which invariably leads to specialist advice being required. In recent years, the main area
affected has been Pensions with a raft of legislation being passed and there is still more to
come. Currently, many employers are having to review their employee benefit packages in light of
changing legislation, costs etc. SMG FS Ltd are able to provide the necessary assistance in this
complex area thus ensuring compliance with the regulations and suitable and affordable employee benefit
packages for both employer and employee.
The main areas in which SMG FS Ltd provide advice and administration services are summarised below:-
Pensions Arrangements
- Occupational Schemes
- Group Personal Pension Plans
- Group Stakeholder Plans
- Executive Pension Plans
- Small Self Administered Schemes
Employee Benefits
- Group Life Assurance
- Group Critical Illness
- Permanent Health Insurance (income continuance)
- Private Healthcare
Corporate Protection
- Keyman Assurance
- Co-Shareholder Assurance
- Partnership Assurance
- Keyman PHI Cover
Corporate Finance
- Commercial Mortgages
- Investment
- Tax Planning
The areas above are quite extensive and invariably specialist advice is required. SMG FS Ltd are able to
provide a comprehensive service and will also liase with other advisers, namely accountants and solicitors,
where appropriate. There are many product providers claiming to have the solutions to many of the issues detailed
above but careful research and analysis is required. The vast majority of Employers do not have the time or
experience to conduct this research and therefore seek the assistance of specialist advisers such as SMG FS Ltd.
In a changing financial world, you need to be sure that you can call on the help and advice of
independent experts who put your interests first. Legislation, the financial climate and
changes in your circumstances will affect your financial situation and requirements. The
likelihood is that in today's busy world, you have not had the time to take an objective
look at your financial foundations.
To provide the necessary assistance and advice, we need to fully understand your current
circumstances coupled with your plans and objectives for the future. Our advice will be
tailored to suit your specific needs and we will help you to plan and build to meet your
priorities; whether accumulating funds for retirement, protecting loved ones, minimising
tax liabilities etc. There are so many aspects to financial planning and so many institutions
claiming that they have the answers to all of your needs. Many of these can only offer products
from one Company whereas SMG FS Ltd are independent, which enables us to research and access
the whole market on your behalf.
As one of our personal clients, we can offer advice on a range of products, including: Retirement Planning
- Personal Pension Plans
- Stakeholder Pension Plans
- Drawdown Plans
- Annuities
Lump Sum Investment
- Personal Equity Plans
- Individual Savings Accounts
- Investment Bonds
- Unit Trusts
- OEICs
- Investment Trusts
Protection
- Mortgage
- For your family
- Income continuance in the event of long term illness
- Private healthcare/long term care insurance
- Inheritance Tax planning/making a will
An informal discussion with one of our advisers is the first stage in helping you to take a new
approach to your financial affairs. Personal consultations can be arranged at your place of work,
your home or indeed at our offices in Leeds.
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