Our Services

Pool House Professional Advisers offer a range of services to Companies and Individuals delivered with a high level of professionalism and technical knowledge.

Wealth Management

The advice Pool House Professional Advisers provides is independent and tailored to each and every individual.

The company operates a fee-based service – so the best possible advice is always provided, with no bias towards any particular product or provider.

Following a consultation to ascertain your needs and carry out a risk assessment, Pool House Professional Advisers devises a tailored approach to investing your assets and delivering an investment portfolio that reflects your risk level. Investments are diversified aiming to keep the whole portfolio working at an optimum level and this is reviewed regularly.

In addition, quarterly Investment Committee Meetings are held to assess the different asset classes, fund manager and their respective funds.

The value of your investment can go down as well as up and you may not get back the full amount invested.

Tax Planning

Pool House Professional Advisers works closely with clients to provide the most tax efficient advice. This can be on a range of issues such as Inheritance, Income and Capital Gains Tax for Individuals or Corporate Tax Planning for Businesses.

The company knowledge has been built up over the years by working closely with Accountants and Tax Specialists.

The Financial Conduct Authority does not regulate taxation advice.

Levels and bases of and reliefs from taxation are subject to change and their value depends on the individual circumstances of the investor.

Corporate Planning

NEST & Auto Enrolment

Pool House Professional Advisers is currently working closely with and advising clients on the implementation, ongoing compliance and administration of a qualifying Workplace Pension Scheme.  As the rules are fairly complex as to Employer’s liability and timing, it is crucial that all Employers take advice on this issue.

NEST (National Employment Savings Trust) is a low cost auto-enrolment workplace pension scheme for UK employers of any size.

New regulations make offering a regulatory pension scheme to the workforce compulsory for larger employers from October 2012. Small and medium sized employers have staging dates from then through to 2017, but it is advised that action be taken sooner rather than later, in order to plan and integrate contributions into the business and worker’s cash flow. From 2019, employers will have to automatically enrol members into a pension scheme with contributions totalling on average 8% of salary (3% from the employer and 5% from the employee).

Business Protection

Pool House Professional Advisers will advise Company Directors and Principals on a range of areas aimed at protecting the interests of the business. These include the following:-

Key Person Insurance (including Critical Illness) – Key employees of the Company are Directors and employees with highly specialist skills / knowledge. Should a company lose a key employee as a result of death or critical illness, these consequences could be damaging to the business. Key person insurance can provide benefits such as meeting the cost of recruiting a new employee, in the event that an employee dies or suffers a critical illness. Please note that the policy may not cover all critical illness definitions – the Key Features Document and Policy Document should be referred to for clarification.

Shareholder Protection – Losing a business owner could lead to financial difficulties and destabilise a business. By taking our Share Protection, it allows the remaining Partners, Directors or members, to remain in control of the business following the death of a business owner. Share Protection can provide a lump sum of money to the remaining business owners to help them purchase the deceased owners interest in the business.

Private Medical Insurance – Sickness and health related issues can cost UK businesses a substantial amount of money each year. By implementing Group Private Medical Insurance, this impact can be minimized. Group Private Medical Insurance can act as a great benefit to employees. It can help you maintain a fit and healthy workforce, which in turn can help solve and prevent any turnover issue.

SSAS Trustee Services

A Small Self Administered Pension Scheme (SSAS) is the lesser known but older brother of a SIPP (Self Invested Personal Pension) with the legislation Memorandum 58 (Small Self Administered Schemes) published in February 1979, establishing them as formally structured occupational pension schemes.

Pool House Professional Trustees provides Administrator and Practitioner services for SSAS. The company expertise in these areas dates back to their inception, and means that the best solutions are provided, tailored to the needs of the client, allowing the client to concentrate on their day to day activities and duties safe in the knowledge that their affairs are being monitored.

SSAS are utilised generally by small family-owned businesses as part of their business planning – providing investment options including commercial property purchase and loan backs to the sponsoring employer. The purchase of the company’s main trading premises is a very tax efficient way of owning commercial property, and in recent economic times the loan back facility has proven a very popular choice to remove or compliment bank borrowing.

A SSAS gives a client total control of their pension scheme investments, within the HMRC regulations, with all members being Trustees, and offers full flexibility in accumulating the pension funds up to taking benefits and continued control into and throughout retirement.

For more information on this service please visit www.poolhousetrustees.co.uk