We want to ensure that you fully understand how our investment service is provided to you and the terms and conditions of the service. Please ensure that you review the documents below before you take out an investment with us. Thank you.

Key Facts about our Services and Costs

Terms of Business

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Business Services

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Running a business can be hard work, but it can also be highly rewarding – personally and financially.

With advice from experts to help your finances run smoothly in the background, you can focus on the day-to-day matters that contribute to making a profit such as having a happy, productive and content workforce.

Whether you’ve been in business for years, or you’re just starting out and exploring the idea of working for yourself, it’s hard to be an expert in everything.  That’s why it’s a good idea to seek guidance from an independent financial adviser (IFA) – someone who can help you with the financial matters that are the foundation of every business.

Business Options

Goldstone Wealth offer a wide range of services and advice to business owners.  This includes giving advice on how to structure your company, insure your business, protect your employees’ financial well-being and protect the business if a key employee cannot work. We can often recommend specialists to complement your own services for example people like accountants, payroll companies, insurance brokers and tax advisers.

Questions Business Owners Should Consider

Am I paying the right amount of tax ?

Am I making best use of my capital ?

Do I have a Corporate Will in place ?

Do I have plans in place for my auto enrolment scheme ?

Looking After Your Business' Finances

Managing your business’ finances well is crucial to your business’ success.  By staying on top of your finances, it will be much easier for you to monitor your company’s growth and performance.  One of the best ways to make sure you are managing your finances correctly is to talk to experts who can help you get good products and processes in place – and you’ll probably learn from them as well.

Workplace Pensions

Workplace pension have been around for a long term and are operated by a large number of companies.  The introduction of the auto-enrolment scheme will increase this significantly.

Once enrolled into a workplace pension scheme by the employer, a minimum percentage of your earnings above £5,824 (2015-16 tax year) may be automatically saved into the scheme.

The employer will have to contribute to the pension fund, while the government also helps by adding tax-relief to your contributions.

If the employer is paying the overall minimum requirement, you may not have to contribute anything at all.

You cannot opt out of being automatically enrolled, but once you are, you have one month to opt out of the scheme. Your employer will write to you explaining what is happening and what you have to do near the time of your employer’s staging date.

For expert advice about auto-enrolment and the best pension options for you and your business, contact Goldstone Wealth.

Employee Benefits

Everyone is entitled to fair pay.  In addition, many companies provide a range of employee benefits as a means of attracting and retaining high quality staff.

Employee benefits vary – and can include things such as private health insurance, life insurance and income protection, company cars, share save schemes and discounts on products or gym membership.  Anything that’s provided to your employees in recognition of their contribution to your business can be called a benefit.  Larger companies can sometimes offer flexible benefits, where they list out all the benefits employees can have access to and employees choose the benefits that most appeal to them from the list, according to certain limits.

It’s important to remember that many benefits are taxable, and that as an employer, you have certain obligations to run any benefit scheme in accordance with guidelines set down in law.  For example starting from October 2012 (and rolled out over the next 6 years) all companies will have to over a workplace pension scheme to all eligible employees.

You will also need to inform HMRC about any agreements you make over use of a company car: whether fuel is to be paid for exclusively by the employee or business mileage is to be claimed on a pence-per-mile basis.  Private health insurance may be a taxable benefit, but there could be a tax advantage to your business in arranging policies that protect your employees’ health and welfare.

Corporate Savings and Investments

Do you feel your company sitting with surplus cash deposits ?

Goldstone Wealth have many years of experience in providing advice to businesses in regards to making the best use of these funds depending on the short, medium and long term objectives of the business. After understanding your company goals, objectives and attitude to risk we can provide appropriate recommendations which fit in with the structure of your business.

Please contact us for further information.

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