Individual Financial Planning

Most companies recognise the need to insure public liability risk, company property and equipment, and to provide various employee benefits, such as pension, health, and death benefits. However, most employers do not (or cannot for regulatory reasons) provide appropriate advice to the employee on the suitability and impact of these benefits.

Employees

As part of a company you may be entitled to various benefits:

1. You may already have benefits such as a pension (occupational, group personal pension, stakeholder), PHI, death benefits, PMI or other flexible benefits.
   
   
2. Alternatively, you may be asked whether you wish to receive various benefits of which the pension may be of particular importance.
   
   
3. Equally, Inheritance tax planning for private companies and family businesses may be an issue.
   

Regent consultants offer a service that can review your personal and company arrangements and then make recommendations for improvement, where appropriate.

Key Man employees

For key employees and executives we can also advise on:

1. Key man insurance.
   
   
2. Directors' insurance shareholder protection
   
   
3. Inheritance tax planning for private companies and family businesses.
   
   
4. Partnership protection.
   

Through our long experience working as Actuaries, IFAs and Employee Benefit Consultants, Regent has set out to:

1. Provide seamless integration across the whole range of the actuarial, employee benefit and personal advice spectrum.
   
   
2. Give a friendly, proactive service.
   
   
3. Ensure that all our staff are fully qualified in their respective fields.
   
   
4. Work alongside other professional bodies in our fields of activity.
   
   
5. We differentiate ourselves from other Employee Benefit Consultants by also offering financial advice to employees via our specialist company of Independent Financial Advisers. We are independent of any insurance company or fund manager and directly regulated by the Financial Services Authority (FSA).

Our IFAs can be remunerated either by fees or commissions. This is decided by the employer or employee to suit tax status or preference. Employers can therefore be sure that all recommendations will be "suitable" and not made for the purpose of generating the maximum commission. As a result of the many miss-selling reviews, a growing number of employers believe that they have a duty to provide qualified sources of financial advice. We can provide this service to the employer.

Our advisers more than meet the qualifications now demanded by the Regulators. In addition our Directors each have more than 15 years experience - some over 30 years! We thus have ample experience to advise at the most senior of levels.

In a nutshell, Regent aims to provide both individuals and employers with a long term, authoritative and friendly Corporate Planning Service. Our financial planning team is an integrated part of the corporate service.

For advice in this area please do give us a call or complete the Enquiry Form.