Pensions reform is now with us and the largest employers have already had to set up a pension for all employees and contribute to it as does the employee.

The reforms are being brought in in stages depending on the number of employees you have and your staging date which is decided by your PAYE reference. You can find out when you staging date is by clicking here and will need your PAYE reference.

Please call Downton and Ali Associates for advice on how this will affect you and what you can do to mitigate these effects but also how you can use these new regulations to your advantage..