Retirement Planning for the highest paid employees has become an increasingly complex area. Since the introduction of the first pensions cap in 1987 a growing number of people have been unable to plan for a comfortable retirement through the use of a standard pension scheme. The recent changes in the taxation of pension contributions, combined with the restricted access an individual has to their pension fund capital and extremely low annuity rates has highlighted the need for a more holistic approach and also increased the number of people looking for alternatives to approved pension plans.

At Baigrie Davies we are fortunate in having highly qualified and experienced advisers in both our wealth management and employee benefits teams. With their combined knowledge and expertise you can be sure that the retirement needs of your most senior staff will be in safe hands.

Our team is able to create retirement plans which include:

• Approved Pension Plans (Personal and Occupational)
• Unapproved Plans (onshore and offshore)
• Alternative investment plans with tax relief(e.g. EIS and VCTs)
• Traditional Savings vehicles (e.g. ISAs, Unit Trusts and Bonds)

Our advisers will work with you and your senior staff to design the most effective strategy for each individual's needs without sacrificing all of the group purchasing power that employee benefit schemes usually offer.