Pensions, Savings and Investments Services
At Accounted For, we understand that planning for the future is a priority for everyone, whether you’re starting your career, raising a family, or enjoying retirement.
Our partners offer a comprehensive suite of financial services, to help you manage your pensions, savings, and investments with ease and confidence.
Our team of financial experts will work with you to create a personalized plan that meets your unique needs and goals.
What Does It All Entail?
The services cover everything from setting up and managing your pension plan to providing investment advice tailored to your goals and risk tolerance.
We also offer savings plans that can help you reach your financial targets, whether it’s buying a house or starting savings for your children’s education.
Pensions
Pensions are an important part of retirement planning, providing you with a steady stream of income after you stop working.
At Accounted For, we complement our payroll services with can assist you with the administrative tasks associated with the different types of pensions available.
Pension Planning
Planning for your retirement is essential, and our partners are here to guide you every step of the way.
The team of experts will work with you to create a pension plan that suits your unique needs and individual personal circumstances.
This includes evaluating different pension options, such as defined benefit and defined contribution plans, and helping you make informed decisions about contributions and investments.
They also provide regular reviews and updates on your pension plan to ensure it remains in line with your goals and any changes in regulations.
Types of Pensions
There are two main types of pensions – defined benefit (DB) and defined contribution (DC).
A DB pension provides a set amount and fixed rate of income based on factors such as salary and years of service, while a DC pension allows you to contribute money to an investment account that grows over a set period of time and provides a fixed interest rate amount and fixed term of income in retirement.
Investments
Investments are an excellent way to grow your wealth, pay off over time and provide income in retirement.
Our partners offer a range of investment services tailored to your risk tolerance and financial objectives.
We understand that investing can be daunting, which is why they offer personalised investment services to help you make the most of your money.l
The team will work closely with you to understand your financial goals, risk tolerance, and timeline, and create an investment portfolio tailored to your needs.
They also provide ongoing monitoring and adjustments as needed to ensure your investments continue to align with your objectives.
Investment Management
The team of experienced advisors will work with you to create a personalized investment portfolio based on your goals, risk tolerance, and timeline.
They will regularly review and adjust the portfolio to ensure it aligns with your changing needs and continues to be tax-efficient investing.
Retirement Investments
Planning for retirement requires careful consideration of factors such as inflation, market fluctuations, and longevity.
The experts can help you choose and invest in the right investments to fund your retirement years comfortably.
Savings
Saving money is an essential part of financial planning, whether it’s saving for short-term goals or long-term objectives like buying a house or funding your children’s education.
At Accounted For, we offer easy ways to use various savings account options to help you reach your savings goals, and have a savings pot to utilise.
Savings Plans
Saving for the future is crucial, whether it’s to start saving now for a down payment on a house or building a nest egg for retirement.
The savings plans are designed to help you manage and reach your financial targets with ease and use a variety of options, including individual savings accounts (ISAs), tax-free savings accounts (TFSAs), and education savings plans, to help you save for your specific goals in a tax-efficient manner.
Savings Account
We partner with top banks to provide our clients with high-interest savings accounts that offer competitive interest rates, and minimal fees.
These cash-only accounts are ideal for short-term savings goals, such as an emergency fund or a down payment for a home.
Individual Savings Accounts (ISA)
ISAs are tax-efficient investment accounts that allow you to save up to a certain amount each year without paying taxes on the interest earned.
Our partners can help you understand and choose from various ISA options, including cash ISA, various funds, stocks and shares ISAs, and innovative finance ISAs.
Financial services compensation scheme (FSCS) also ensures your ISA investments are protected up to a certain amount in the event of a bank or investment firm going bust.
UK’s deposit guarantee scheme covers up to £85,000 per person, per bank or building society per tax year.
Tax-Free Savings Accounts (TFSA)
Similar to ISAs, TFSAs are investment accounts that allow you to invest or save a certain amount tax-free each year.
Our partners offer guidance on different types of TFSAs available in the market, such as cash and stocks and shares TFSAs, and help you choose the right one for your financial goals.
Education Savings Plans
We understand the importance of investing in our children’s education.
That’s why we offer specialized savings plans to help parents save for their children’s education expenses while taking advantage of tax benefits.
Our team can assist you in choosing from various options like junior ISAs, child trust funds, and education savings accounts to help you save for your child’s future.
Tailored Financial Solutions for Every Stage of Life
For Young Professionals
Starting your career is an exciting time, and it’s the perfect moment to begin planning your financial future.
Our partners’ financial services are designed to help you build a strong foundation for long-term financial security, including:
- Pension Planning: Understand your workplace pension options and how to maximise your contributions.
- Savings Strategies: Set up a savings plan that aligns with your short-term goals and future aspirations.
- Investment Opportunities: Explore investment options that can grow alongside you.
For Families
Balancing family life with financial planning and tax can be challenging.
We’re here to provide support and guidance to ensure your family’s future is secure:
- Comprehensive Pension Management: Manage your workplace pension with our automatic enrolment services, ensuring you’re meeting all legal obligations effortlessly.
- Education Savings Plans: Plan for your children’s education with tailored savings solutions.
- Asset Management: Maintain and grow your family’s wealth with diverse investment options.
For Retirees
Enjoy the peace of mind that comes with knowing your finances are in expert hands. We offer:
- Pension Consolidation: Simplify your retirement income with consolidated pension plans.
- Secure Income Streams: Ensure a steady income throughout your retirement with our structured solutions.
- Wealth Preservation: Protect and manage your assets to leave a legacy for future generations.
Pension Services Made Easy
Our pension services complement our payroll services and are designed to make the process effortless for both employers and employees.
With our automatic enrollment tax treatment service, you can rest assured that for tax purposes, your legal obligations regarding tax treatment are met without any additional burden on your business.
In addition, we offer a personalised pension management service for individuals, ensuring your retirement plans align with your goals and lifestyle.
Savings Accounts and Investment Options for Every Need
We understand that everyone’s financial needs and goals are unique.
That’s why our partners offer a range of savings and investment account options to cater to each individual’s requirements:
- ISAs: Tax-efficient savings accounts for different stages of life.
- Stocks & Shares: Access the stock market through our expertly managed portfolios.
- Bonds: Invest in low-risk options for a steady income stream.
- Property Investments: Diversify your portfolio with property investments.
Why Choose Us?
Automatic Enrolment Made Easy
Under the Pensions Act 2008, every UK employer must enrol eligible staff into a workplace pension scheme.
Our automatic enrollment pay tax service is seamlessly integrated with our payroll offerings, ensuring easy access and tax compliance without hassle.
Our comprehensive service includes:
- Complete pension assessments and eligibility checks
- Automatic data submissions to your chosen pension provider
- Timely pension correspondence with your workforce
- Handling of opt-ins, opt-outs, and postponements
- Accurate calculation of both employee and employer contributions
- Legal documentation and communication, both printed and digital
- Assess workforce existing/new employees’ eligibility
- Generate legally worded pension correspondence for employees printed and/or emailed at the appropriate time, record what was sent and when
For more detailed information on automatic enrolment, visit The Pensions Regulator.
Expert Curation and Guidance
We pride ourselves on offering expertly curated advice and support.
Our team is dedicated to guiding you through complex financial decisions with clarity and confidence.
Enjoy exclusive deals and join a community of like-minded individuals who value a secure financial future.
Get Started Today
Ready to take control of your financial future?
Contact us to learn more about how we can assist you with your pensions, savings, and investments.
Whether you’re just starting out, raising a family, or enjoying retirement, we’re here to help you every step of the way.