Managing your employee benefits

The provision of a competitive Employee Benefits Programme is ‘key’ to the attraction and retention of a successful and effective workforce.

F&L Financial Services Ltd works with both UK and international inward investing companies to identify the most suitable and cost effective Benefits Programme and to ensure compliance with local legislation. As a firm of Independent Financial Advisers (IFAs) authorised and regulated by the Financial Services Authority we are able to research the whole market when making recommendation for suitable product and provider.

International companies need to consider what is appropriate locally, taking into account employee and market expectation and legislative requirements. There are important differences in the provision and expectation of benefits worldwide therefore, in making our recommendations we always consider the domestic programme of the parent company and then theme the UK plan with this in mind ensuring full compliance.

We review the Benefit Programmes annually (or earlier if employee numbers dictate) to test the market and identify whether the current provider remains competitive. F&L Financial Services Ltd works as the ‘outsourced’ Benefits Department for our clients. We manage the Benefits administration and ‘handhold’ both employer and employee through the initial and ongoing advisory and administrative processes.

Employee Benefits provision for UK employees

• Research and recommendation
• Design and implementation
• Compliance with legislation
• ‘Stakeholder’ Group Pensions
• Life Assurance/Death in Service
• Short and Long Term Disability
• Private Medical Insurance
• Dental and Vision cover
• ‘Key’ Person Protection
• Shareholder Protection
• Partnership Protection
• Compliance with FSA requirements

For more details on F&L Financial Services Ltd or to arrange a free consultation, contact:

Tim Atkins Tel: +44 (0) 20 7430 5898 Email: tatkins@fitzgeraldandlaw.com   Tim trained with Scottish Life Assurance Company and has considerable experience having worked as an Independent Financial Adviser since 1993. He has worked in the City of London and previously managed the Employee Benefits team for a brokerage in Kent. In April 2005 Tim joined Fitzgerald and Law as Director of F&L Financial Services Ltd specialising in the design, implementation and ongoing administration of Employee Benefit Programmes. Tim has built a large network of contacts, particularly in North America, where he visits regularly. Tim works with both US and UK Government agencies assisting with their education and understanding of the UK Employee Benefits systems.

F&L Financial Services Ltd is a firm of Independent Financial Advisers authorised and regulated by the Financial Services Authority.