Final Salary Schemes
Solving the Problems
In times like these it is essential to do everything you can to:
- Minimise your costs
- Limit your liabilities
- Reduce and remove your deficits
WE CAN HELP YOU ACHIEVE
THESE OBJECTIVES
Are you aware of the enormous cost savings that can be made through the new integrated management services aimed at helping schemes like yours.
We strongly believe that for many small to medium size final salary schemes the fully insured bundled basis is by far the best option – without restricting your investment choices. Let us show you why.
These proposals may not be available through your present advisers because they could be in direct competition with their core business model.
For many companies the final salary scheme deficit is their largest financial problem. We can show you ways to reduce or contain deficits.
We can also explain how to establish a strategy to wind up a scheme on an acceptable financial basis in a planned time frame, thus completely removing the deficit problem.
Enhanced Transfer Values
Another effective strategy for employers looking to remove or reduce their scheme liabilities, whilst at the same time protecting the members’ interests, is Enhanced Transfer Values. All too often this approach is misunderstood by both employers and employees, but properly analysed and planned, together with clear communication and effective implementation, Enhanced Transfer Values and benefit both parties.
The Programme
- Sally Webber
- Creative Benefit Solutions Ltd
- Opening Remarks and Introduction
- Tim Harries & Richard Brace
- Aviva
- Effective Deficit Management
- Managing investment risk
- Managing longevity risk
- Buying out liabilities
- Scheme de-risking
- Mark Harries
- Scottish Widows Investment Partnership
- Building an Exit Strategy
- Issues in existing portfolio management
- Definitions of risk
- What do trustees really want
- The benefits of multi asset investing
- Nigel Chambers
- Chambers Townsend Consltancy Ltd
- Effective use of Enhanced Transfer Values
- Reducing scheme deficits
- How the process works
- Meeting the regulatory requirements
- A win/win situation
- Andy McCarthy
- Creative Benefit Solutions Ltd
- Benefits of an integrated solution
- New cost effective service
- One stop shop
- Economies of scale, significantly reduced fees
- Clarity and certainty of charges