Financial planning for your business


Our highly qualified team is dedicated to understanding how your business operates and aims to build a close working relationship with both you and your employees to achieve whatever objectives you have in mind.

Financial Planning

We are fully committed to ensuring you are fully briefed, at all times, on legislative changes affecting the benefits you offer to employees. Our aim is to simply ensure that you can focus on the core activities of your business, secure in the knowledge that your employee offering is in capable hands.


All our corporate clients are given access to an integrated and comprehensive portfolio of financial planning services that are tailored to the particular requirements of your business.

Employee Benefits

Group Critical Illness, Group Income Protection and Group Life Assurance products not only form an integral part of a comprehensive employee benefits package, but also enable you and your employees to carry out your day-to-day duties with peace of mind. Having a first-class benefits and remuneration package that is clearly communicated and valued by your employees will help you to attract and retain the very best people.


Our specialist team can give you expert advice on setting up a new scheme, or review and advise on existing arrangements.


Pension legislation and the factors that determine retirement planning have changed dramatically in recent times. Navigating the detail and selecting the right investment funds and retirement strategy can be a complex process.


Our pension specialists will work closely with you to understand your business and your workforce, enabling us to construct a strategy for pension planning that’s right for you.

Pensions for Business Owners & Directors

Self Invested Personal Pensions (SIPPs) are a type of personal pension that allows you to invest in a greater range of products than a standard pension product.

Typically, they allow access to single company shares and can hold individual commercial property. This latter option can be particularly attractive to businesses that own property but want to raise working capital to use within the business.


A pension is a long term investment the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.


Our pension specialists will help you identify where a SIPP might be an appropriate investment and can talk you through the processes involved when utilising its various features.

Employee Pensions & Auto Enrolments

October 2012 saw the introduction of the biggest reforms to the UK pension system for decades. Qualifying Workplace Pension Schemes or Auto enrolment is a Government backed initiative designed to address the potential shortfalls in savings for retirement many people face and to alleviate the resulting burden on the State.


Starting with the largest UK organisations, eventually all employers will have to ensure that they are Auto enrolment compliant.

Under the new requirements, employers are required by law to:


  • Automatically enrol all their eligible jobholders into a suitable pension scheme

  • Make contributions to their workers’ pensions in accordance with the minimum standard

  • Disseminate among workers information about Auto enrolment

  • Calculate and collect workers’ pension contributions

  • Manage the enrolment, opt in and opt out process

Employers are effectively free to adopt any suitable pension scheme that meets the above criteria. For many smaller employers this is likely to mean using the The National Employment Savings Trust (NEST). NEST has been specifically designed by the Government to be a simple, low cost Auto enrolment solution.

Bradbury Hamilton can help you consider the best approach for your business in light of these new rules.

Key Man Insurance

Prolonged absence through serious illness or even the death of a key member of staff can be disastrous for some companies. Whether you are a sole trader or a limited company, Bradbury Hamilton can advise you how to secure a cash sum, which will enable your business to operate in the short term, while you deal with the immediate effects of the loss of a key person from the organisation.