Consultancy Services

With top experts in all aspects of pension planning Intelligent Pensions takes on specialist remits in all areas on a "one off" basis - whatever the objective. Consultancy services are provided on "time cost" basis but in all cases we will quote in advance for each job. The types of remit we undertake are wide ranging but the following is an indication of some we have handled recently.

Scheme/Member Overfunding Problems

Although the Inland Revenue imposes strict controls on the level of contribution that can be invested under EPPs or SSASs it is not unusual to come across situations where one or more members become overfunded. The scale of the overfunding can often create a serious problem and understanding how to apply the Inland Revenue guidance in the most favourable way is essential to avoid or minimises losses.

Serious difficulties can arise in a number of scenarios, most particularly where the principal employer has been sold. Avoiding these problems is best achieved by getting involved in the negotiations for the sale since after the event it may be impossible to recover any surplus from the new employer.

Company Reconstructions

Mergers, de-mergers, take-overs, management buy-outs or buy-ins are all a part of modern business life. Behind each of these reconstructions there is normally a pension scheme to deal with. Larger companies will normally have there own employee benefit consultants to advise then but medium and smaller employers will often not have access to the same expertise. Guiding employers and scheme trustees is essential and we can offer practical assistance and provide suitable sources for external professional advice such as legal and actuarial services as part of an overall package solution.

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