The Chair’s annual statement of the Courtiers Investment Services Limited Governance Advisory Arrangement (GAA) for the year ended 5th April 2020 can be found here.
Anyone earning £10,000 or more a year in the UK, aged from 22 up to state pension age, must be enrolled into a pension.
While an employee may opt out of a company's pension scheme, the employer must initially enrol them by law or face a penalty.
It's reasonably straight-forward with the right measures in place - something Courtiers handles for many businesses. Eligible members have their pension contributions deducted directly from their salaries (which offers a small tax saving) and employers also contribute a certain percentage.
Pensions help secure comfort in later life and Courtiers helps employees realise this, working with organisations to communicate benefits across the workforce.
Courtiers coordinates group workshops for employees to understand more about their pension and how they can save for the future. These workshops are arranged in conjunction with you (integrating any specific objectives) and are a chance for anyone in the business to ask any questions: employees, trustees, managers and directors alike.
With your input and approval, Courtiers communicates with your people, offering confidential meetings to discuss anything financial. Employees value these direct communication streams as a chance to talk with somebody objectively placed outside the business. Conversations we have can help identify any genuine concerns which might otherwise be kept locked up.
Fundamentally we're focused on the performance and wellbeing of your employees. By building solid, personal relationships at every level of the business, we help organisations establish clear plans leading to results throughout the organisation.
Pension options available
To pinpoint a suitable scheme or clarify whether an existing scheme is suitable for your organisation, Courtiers can understand exactly where your business is and walk you through any opportunities to help drive your people, teams and business forward.
Note: An individual's state pension age depends on year of birth. There's a calculator on the government's website.