Business Planning

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Business Planning

BUSINESS PLANNING

ABOUT

BUSINESS PLANNING

WORKPLACE PENSIONS

Following the introduction of auto-enrolment (AE), if an employee meets certain criteria s/he must be enrolled into a workplace pension scheme. Unless that employee opts out of the workplace scheme, both the employer and employee must pay into the scheme, and those payments must be at least the legal minimum (3% of qualified earnings from the employer, 4% from the employee and 1% from the government).

WORKPLACE PENSIONS

Following the introduction of auto-enrolment (AE), if an employee meets certain criteria s/he must be enrolled into a workplace pension scheme. Unless that employee opts out of the workplace scheme, both the employer and employee must pay into the scheme, and those payments must be at least the legal minimum (3% of qualified earnings from the employer, 4% from the employee and 1% from the government).

The employer is legally obligated to offer a work-based pension scheme and must pay a set minimum amount each month; however, employees can choose to pay in more if they wish. An employer can offer the minimum amount, which is fine, but we can advise on plans that can offer better features to benefit employees.

Making sure eligible employees are enrolled in an appropriate workplace pension scheme is a legal requirement, but having the right pension scheme can really help engage employees. Often, having a good workplace pension scheme that offers more than the minimum level of employer contribution is seen as a real benefit, particularly to more experienced staff members. Workplace pension contributions can also be one of the things potential employees review when they decide whether to work for an organisation.

BUSINESS PROTECTION

The importance of business protection is often overlooked; it helps business owners plan for the unexpected by providing cover to ensure the business can continue with minimal disruption following the loss of one of their key employees, or one of the business owners, through death, critical illness or temporary disablement.

BUSINESS PROTECTION

The importance of business protection is often overlooked; it helps business owners plan for the unexpected by providing cover to ensure the business can continue with minimal disruption following the loss of one of their key employees, or one of the business owners, through death, critical illness or temporary disablement.

Business protection is available for partnerships (including limited liability partnerships), shareholders, sole traders, and key employees. It can also be used to ensure repayment of a business loan in the event of death or critical illness of a partner, key person, or sole trader.

COMMERCIAL MORTGAGES

A commercial mortgage maybe the solution for those businesses wishing to own the premises they operate from, or for commercial landlords wishing to expand their portfolio.

COMMERCIAL MORTGAGES

A commercial mortgage maybe the solution for those businesses wishing to own the premises they operate from, or for commercial landlords wishing to expand their portfolio.

Finding exactly the right commercial mortgage to finance business property can be daunting, whether the aim is an initial purchase or a refinance of an existing asset or portfolio. Tallow Financial Planning Ltd is an independent mortgage broker that has strong relationships with the specialist commercial mortgage lenders in the UK, including those private banks who do not have a high-street presence. As such, we can arrange bespoke commercial mortgage solutions.

READ OUR FIVE STAR REVIEWS

I could not of asked for a better service. Everything was explained to me by Dave Clark, and never rushed me in any way and if i didn’t understand, time was not a problem, Dave would stay til I did. Dave took loads of pressure of buying a home, even down to helping with house insurance and life cover, I can’t speak anymore highly of him.

– KG Darlington

I feel confident to use Dave time and time again and wouldnt go to another adviser. always get the best service and re-assurance that my finances are being looked after by the best adviser in County Durham and i am more than happy to recommend him to friends or family.

– CG Spennymoor

READ OUR FIVE STAR REVIEWS

Tallow Financial Planning are a highly professional team of Financial Advisers who have provided me with excellent advice on my mortgages, pensions, investments and insurances I would highly recommend them to anyone seeking advice.

Mark Langham

Linton has advised us financially for the last 3 years providing us with guidance and recommendations for pensions and investments. He is always extremely professional, helpful and friendly.

I’d recommend Tallow’s financial service to anyone looking for advice regarding financial planning. Linton Henfrey has been my personal contact there for over ten years and has helped me with a cross section of service from life insurance, mortgage and wills to investment. Latterly we’ve worked together year by year on an investment scheme that suits my circumstances and we are now seeing the benefits in a healthy profit! I’m very pleased with my experiences to date and am excited to work with them in the future.

Richard Eastwood

I have found Tallow Financial planning LTD to be reliable, trustworthy and reasonably priced in my dealings with them, I believe that they want the best for their clients and have always found them to be very friendly and professional.

Michael Graham

We feel very fortunate to have had Linton recommended to us. He answered all of our queries with ease, responded to emails quickly. Linton is extremely knowledgeable and confident in his field, he’s also a personable guy, easy to talk to too. We have no hesitation in recommending him and Tallow Financial Planning Services to family and friends.

Bev W

Being a first-time buyer has been the most exciting but also the most stressful thing in my life to date but every time I emailed or called Dave at Tallow Financial Planning Ltd, I felt confident and positive that everything was being handled professionally. Not only did they secure my mortgage after being told I couldn’t get a mortgage under my financial circumstances elsewhere, they also sorted my life and home insurance out which gave me peace of mind that I was covered under the best policies available in my budget. Would highly recommend them to anyone looking to get a mortgage and to discuss the best current mortgage deals out there!

Rob Lee

Linton has advised us financially for almost 20 years and has always been extremely professional and helpful at all times. His friendly manner has made him feel like part of the family over the years as well as an advisor. More importantly he has always and continues to make us money through our investment.

Ann Lennon

I have been a client of Tallow Financial Planning Ltd for over 27 years. Over the years Linton John Henfrey and his team have saved me a significant amount of money. They have always been very professional, and have a thorough knowledge of the financial markets. Linton, Dave and Callum always give me extra time answering my questions in order for me to understand any details before making any decisions. I was offered advice two years ago from Dave regarding my morgage and was advised to get a 5 year fixed term which takes me to the end of my morgage. Currently with the cost of living crisis, this advice was invaluable. Particularly reassuring to me is the feeling of certainty and absoloute integrity of their dealings with me. I would like to express my thanks for all the hard work over the years and would not hesitate to recommend Tallow Financial Planning Ltd. to others.

Steve Armstrong

Linton and his team have taken care of us for several years. He is friendly, professional and explains everything clearly and impartially. He has taken care of our finances profitably and given excellent advice through the years. We enjoy his company and always look forward to his visits.

Anna Harris

I have had dealings with members of the Tallow Financial Planning team for circa 30 years ranging from numerous mortgages, investments, pensions and retirement planning.
During this time they have always been extremely conscientious, hard working and swift to respond to my needs.
I have always found their customer service, customer confidentiality and general customer welfare to be of the highest standard.
I have over the years recommended Tallow to my family and friends and will continue to do so in the future.

Mike Bird

CONTACT US

TEL: 01388 450666

EMAIL: advice@tallowfp.com

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© TALLOW FP. All RIGHTS RESERVED

Tallow Financial Planning Limited Registered in England & Wales No. 12037345, Registered office: Innnovation House, South Church Enterprise Park, Bishop Auckland, Co Durham, DL14 6XB
Tallow Financial Planning Limited is authorised and regulated by the Financial Conduct Authority under registration number 912037

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK

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