Sam Henderson, Henderson Stone & Co, 30 August 2016 Theme: Great Change Creates Great Opportunity This event explored why businesses need to stay flexible to take advantage of the opportunities and shifts in market conditions.

1. @TheBusJourney #SMEJourney
The BusinessJourney
30 August 2016

2. @TheBusJourney #SMEJourney
Sam
Henderson

3. @TheBusJourney #SMEJourney

4. Chartered Financial
Planning
Sam Henderson

5.  Lifestyle Financial Planning
 Pensions Freedoms
 Business Protection
 Workplace Pensions

6.  Understand Clients’ Desired Lifestyle
 Establish Actions to Achieve/Maintain
 Sort out Products, where necessary

7. Much More Flexibility:
 Taking Benefits
 Passing to Successors

8. 25% TFC
Pension
Marginal
Rate
No
IHT

9. • Key Person – Profit Protection
• Business Loan Protection
• Share Owners Protection

10. 5 shillings per
week 49 53
1/6d per week 66 71
£148.40 per
week 78 82
Life expectancy
at 65 86 89
State Pension
Life Expectancy
M F
* Information used is taken from the Pension Regulator
Why Are We Here?

11. Mid 2013 1000
PAYE schemes required
to register (‘000)
Employers Staging Per Month
Early 2014 3000
Feb 2016 30,000
Dec 2017 134,000
* Information used is taken from the Pension Regulator

12. Who Uses Henderson Stone?
• Business owners
Struggling to deal with another layer of bureaucracy
• Accountants
Wanting to insure the most appropriate investment strategy is used
• Payroll Companies
Assist in the set up of the framework of the pension scheme
ITS ABOUT THE RIGHT PENSION FOR YOU AND YOUR
EMPLOYEES

13. Questions?
Sam Henderson
(07710 520307)