We are different
Our fresh approach breaks the mould of traditional Employee Benefits Consultants
We Understand
We are a pension and employee benefits consultancy which recognises that in today’s highly competitive business world it is critical to provide cost effective and innovative employee benefits, business protection cover and individual wealth management advice.
Born out of experience spanning several decades we are modern, progressive, and cost effective
- Our solutions are often innovative but always effective.
- Our proposals may not always be available through other advisers.
- Our suggestions will be uncomplicated, easy and inexpensive to implement or maintain.
- Our recommendations will be transparent , relevant and appropriate.
Whatever your requirements you can rely on our advice being totally applicable because of one key element. "We Understand!
We Listen
We pay attention to your needs at every stage of the process. From initial research and analysis to recommendations and implementation and throughout the ongoing review and management you can be sure of one thing. We Listen!
We Help
Whether we are working for a large corporate client with many employees and sizeable pension funds or an individual looking for investment help we pride ourselves on treating both with equal levels of service and professionalism.
We constantly evaluate what we do and how we do it, to ensure all our clients receive the products, service and technology needed to keep their pension plans and employee benefits, together with any business protection cover, absolutely up to date and relevant. We work with some of the largest and most respected providers of financial services within the UK to help deliver the best results for our clients.
One fact you can rely on.We Help!
We Deliver
Solutions for Employers and Trustees
- Money Purchase Schemes – our recommendations will be relevant, bespoke, clear, and effective and our Plan management second to none.
- Final Salary Schemes – our approach will invariably be different but extremely workable in solving the financial problems of scheme costs and deficits.
- Salary Exchange – let us help you generate Tax and NI savings for both you and your employees which can help boost retirement funds by up to 30% for basic rate tax payers.
- Business Protection – your business may well need protection against the impact of the death or disability of key members of staff or shareholders.
- Additional Employee Benefits – we can help you set up a range of automatic or optional benefits to improve the offering you make to your staff, helping employees protect themselves and their families
- Client Management – we regularly review all our clients employee benefit plans, and business protection cover, to ensure they are completely up to date and continue to do the job for which they were intended.
- Member Communication – we provide comprehensive and easy to follow communication programmes so that all employees fully understand the benefits their employer is providing for them.
Solutions for Individuals
- Wealth Management – our employee counselling service provides your employees with tailored advice on growing and sustaining long tern wealth.
- Investment Advice – all members of your company pension plan will receive ongoing help in ensuring their pension investments are matched to their own unique attitude to risk at any given time.
- Retirement Planning – we can assist your plan members understand , and maximise, their projected pension income
- Annuity Options – we make sure that all plan members approaching retirement are aware of their right to “shop around” for the best annuity rates so that their retirement income is maximised.
We are totally independent financial advisers and as such you and your employees can be confident that the solutions we offer will be the very best available.
They will be Different, Innovative and Effective. We Deliver!
Thanks for your time today, I found it very helpful and definitely felt that you and CBS have more of an interest in the individuals future than any of the previous ‘experts’ !Andy Smith
Managing Director,
Consolidated TimberMore client testimonials