Financial Education: The Case Studies

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Case Study A

Case Study A

A large multinational technology firm had a Long Term Investment Plan (LTIP) vesting at the same time as a SAYE Plan. The share price had performed well over the previous five years, which resulted in the share plans being significantly ‘in the money’.

Feedback from previous SAYE maturity showed that employees would welcome some financial advice available to them in the work place. As a result, the Share Plans team engaged with us to deliver advice at the time of the LTIP & SAYE vesting the following year.

Our Programme for Company A:

  • presentations, across 4 UK offices, including vesting information and key concepts of tax efficient investments, savings and diversification.
  • tax planning breakfast briefings.
  • one to one consultations to discuss individual issues and provide personalised advice.

We were invited to roll out an ongoing Financial Education programme, covering a broad range of topics.

Case Study B

Case Study B

A large pharmaceutical company were creating a new entity, by spinning off shares into a newly created company.

The stock split event entitled stock-holding employees to receive shares in the new operating company. The new shares were being paid as a special dividend, triggering a taxable event for the employees at varying levels.

We helped employees understand the tax implications and advised on the best action to take for tax mitigation purposes, if required.

Our Programme for Company B:

  • 25 on-site presentations, across 5 UK locations, in two weeks.
  • all employees provided with a one to one consultation to discuss their individual situation, prior to the deadline date.
  • a dedicated advisor telephone line, which employees could call with questions on the tax consequences of their holdings.
  • a SIPP and ISA solution was created for relevant employees.

The company were so impressed with the quality of service, advice and ability to scale this solution within a short lead-in time, they have now invited us to roll out a long term Financial Education programme to all senior executives.

Case Study C

Case Study C

A FTSE250 company wanted to help their senior executives understand the changing landscape of Pensions.

Our Programme for Company C:
Our pensions specialist hosted a round-table discussion focused on Pensions and Retirement Planning, for 18 senior executives and Pensions & Employee benefits managers from the company.

Discussions focused on the changes that impact high earning and/or contributing individuals, with the need to review current arrangements before the tax year ends. Issues discussed were:

  • the new annual Allowance Limit and how it impacts individuals
  • the potential to contribute more without affecting tax relief – use it or lose it!
  • ‘Carry Forward of Unused Allowances’
  • Pension Input Period

The round table discussion allowed participants to ask questions and raise concerns specific to their circumstances.

One to one consultations were then made available with one of our Senior Wealth Managers.

To discuss Financial Education for your employees, please...

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