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Financial Planning Services

Plutus offers you a wholly independent financial planning service to cater for all your financial needs. Our aim is to empower you to make the correct financial decisions. To do so, we use a simple consulting process to determine what type of financial planning will keep you on track towards your goals. Please click on the links below to find out more.

Workplace pensions

If your employer offers a pension scheme it’s a good idea to find out what type it is and how you can join. Your employer makes all the arrangements and may even contribute to it.

What are the benefits?

Although you don’t have to join any pension scheme offered through your job, it’s often a good idea to join a workplace pension scheme if it’s available because:

  1. your employer normally contributes, and
  2. you may also get other benefits such as:
  • life insurance that pays a lump sum and/or pension to your dependants if you die while still in service
  • a pension if you have to retire early because of ill health, and
  • pensions for your spouse and other dependants when you die.

Starting from 2012, all employers will have to offer and contribute to a pension scheme to help more people save for their retirement. If you are eligible, your employer will enrol you automatically into a workplace pension (this is called automatic enrolment). This requirement on employers will be introduced in stages from October 2012, starting with the largest employers.