Pensions

HW Fisher & Company’s pensions group acts for a wide range of corporate and private clients, ranging from high net worth individuals and small owner-managed businesses to national unions and membership organisations.

Our dedicated pension team prides itself on providing pensions guidance that is practical and effective as well as being technically on the ball.

Services offered by HW Fisher & Company’s pensions group:

• Pension audits for both large and small schemes
• Pension fund investment advice
• Pension fund governance
• Creation of administrative systems and controls
• Pension deficit reduction plans
• Cash flow forecasts
• VAT issues
• Pension fund wind-ups
• Personal pension planning
• Employer covenant reviews

One big question currently facing many pension fund trustees is how to keep offering the right pension benefits while still controlling costs.

Thanks to falling investment returns, changes to accounting standards and actuarial factors, many companies have switched from final salary schemes to money purchase schemes. Others that have hung onto their final salary schemes do not know if they can afford to do so in the future.

Although there is no easy solution, our experience and expertise means we can help our clients arrive at the best answer.