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Pension Auto Enrolment

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.

Tax treatment varies according to individual circumstances and is subject to change.

What is Pension Auto Enrolment?

When talking about pensions, there are a few things that you need to know. In simple terms, a pension provides income to live on in retirement. There are state benefit schemes offering limited financial support for your old age, and a number of other private schemes enabling you to build a larger fund for the future. To avoid a paltry income in retirement it is in everybody’s best interest to save more for it.

Our pension tracing service is here to help you locate or trace any pensions that you may have lost or misplaced. We operate a simple 5 step process that we feel takes the frustration out of doing this yourself. Not only do we locate your pension and give you the information, one of our highly trained financial adviser’s will also conduct a free initial review and explain your pension/s in detail in a way that you will understand.

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested. There are a number of types of pension schemes including group or occupational pensions, personal pensions, the state pension and SERPS Below is a summary of the different type of pensions but if you would like more information, our Pension Tracing Service includes our FREE Pension Review Line for you to call.

Who in the business is affected?

Pension Auto Enrolment requires employers to automatically enrol any eligible jobholders into a pension scheme depending on their specific staging date. Eligible jobholders are employees aged between 22 and the State Pension Age who earn in excess of £8,105 per annum (currently). These people need to be automatically enrolled into a qualifying scheme. Further non-eligible jobholders can also opt to join the scheme.

This affects everyone who employs staff, even if the company only has 1 employee!

What are the employers duties?

The business will have increased financial and administrative responsibilities.
Firstly, employers will need to register with the Pensions Regulator.
Employers will either need to offer a qualifying scheme that has been setup with a pension provider, or use the Government-run NEST scheme.
Employers will need to be able to deduct employee contributions directly from their pay and pass these contributions onto the pension provider.
Employers are required by law to communicate the changes to all employees in writing and explain what automatic enrolment means for them.
Employers will need to keep and maintain adequate records about employees and the scheme.

How can we help?

If you are an employer, now is the time to start making preparations for these changes, as they are likely to have a financial and administrative impact on your business.

From our experience, it has taken between 4-6 months to implement. Although the payment date can be left until your specific staging date (if you choose), you will still need to plan ahead.

To help guide you through your obligations, responsibilities, and the options available to you, one of our pension auto enrolment specialists will be happy to provide you with professional independent advice.

Call us today for FREE on 03300 538 618 to find out more about pension auto enrolment.

Pension Tracing Service

Start tracing your pension now
Freephone: 03300 538 618


Unit 1, Fulcrum 2, Solent Way,
Whiteley, PO15 7FN
This website does not constitute personal advice. If you are in doubt as to the suitability of an investment please contact one of our advisers.

The Financial Conduct Authority does not regulate Auto-Enrolment

The guidance and/or information contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. is a trading style of Beals Mortgage and Financial Services Ltd an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited which are authorised and regulated by the Financial Conduct Authority.

Beals Mortgage and Financial Services Ltd is registered in England and Wales, No: 08286166. Registered Address: Unit 1 Fulcrum 2 Solent Way, Whiteley, Fareham, PO15 7FN