Specialist Independent Financial Planning for the Veterinary Profession

Working with your Team

Auto Enrolment

All employers are required by law to provide a qualifying workplace pension scheme, make contributions for certain employees and a lot more besides. This is a highly specialised area of Group Pension Planning and DFM provide a bespoke Auto Enrolment planning, implementation and ongoing governance service. Additionally, DFM can work with you to offset the added cost of Auto Enrolment.

Group Pension Schemes

DFM can set up a group pension scheme and communicate it to the workforce in such a way as to ensure that it is seen as a valuable benefit. The fact that employer premiums are fully tax deductible make a group personal pension a highly cost-efficient way of attracting and retaining the best people for your business.

DFM can arrange a group pension scheme that fully maximises your employees’ investments, aiming to provide for a financially secure and comfortable retirement.

Our advisers would meet your employees on-site to discuss the merits of joining and administer the scheme on your behalf.

Delivering Pension Advice

DFM will work with your employees and Human Resource department to deliver support in the way that works best for your organisation. This could include workshops, presentations, and the use of technology, one to one advice and regular reviews.

Employee Benefits

In addition to addressing pension issues, providing further financial security through employee benefits adds considerable value to basic earnings. It can also be worthwhile both in building loyalty in your existing employees and attracting and retaining the best talent to your business.

Employee Benefit Options

Total Reward Strategies

These can be tailored around your employees and also your company’s unique circumstances.

Health and Wellbeing

Includes private medical insurance, dental treatment, prescriptions and travel insurance.

Group Income Protection

Covers unavoidable absences from work due to sickness or injury.

Group Life Assurance

Includes Death in Service benefits which ensures dependents have security should the worst happen.

DFM Financial Planning Ltd is an appointed representative of Opus Independent Financial Planning Ltd. Registered in England & Wales Number 07304649. Opus Independent Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority. FCA No: 529492.

Registered Address: DFM Financial Planning Ltd, 7 Arden Court, Arden Road, Alcester, Warwickshire, England, B49 6HN. Registered in England & Wales, No. 11480293.

Neither DFM Financial Planning Ltd nor its representatives can be held responsible for the accuracy of the contents/information contained within the linked site(s) accessible from this page.

The Financial Conduct Authority does not regulate National Savings or some forms of mortgage, tax planning, taxation and trust advice, offshore investments or school fees planning.

The information contained within this site is subject to the UK regulatory regime and is therefore targeted primarily at consumers based in the UK.

Please read our Privacy Notice before completing any enquiry form or before sending an email to us.

COMPLAINTS PROCEDURE & FINANCIAL OMBUDSMAN SERVICE (FOS)

If you have any complaint about the firm, or a service we have provided, please let us know by writing to the following address or by email or telephone: Mr B Rees, Opus Independent Financial Planning Limited of 1 Coleshill Street, Sutton Coldfield, West Midlands, B72 1SD, info@opusifp.com, or 0121 354 4034

We promise to deal with your complaint in a fair and objective manner. We will provide you with a copy of our formal complaints procedure upon request or upon receipt of a complaint. If we are unable to resolve a complaint to your satisfaction you will usually have the right to take your complaint to the Financial Ombudsman Service www.financial-ombudsman.org.uk/ . The Financial Ombudsman Service is a free and easy-to-use service that settles complaints between consumers and businesses that provide financial services. They resolve disputes fairly and impartially.

FINANCIAL SERVICES COMPENSATION SCHEME (FSCS)

We are covered by the Financial Services Compensation Scheme (FSCS) and you may be entitled to compensation from the scheme if, for any reason, we cannot meet our obligations. This will depend on the type of business and the circumstances of the claim.

Investments – Most types of investment business are covered up to a maximum limit of £85,000. Insurance – Advising and arranging are covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, advising and arranging is covered for 100% of the claim, without any upper limit.

Where it is appropriate to do so, we may recommend products or funds that are not based in the UK. In the event that the providers of such funds are unable to meet their obligations, these are not covered by the FSCS compensation arrangements. If the product or fund is based in the European Economic Area (EEA), you may be covered by the local investor compensation scheme. We will make you aware if our recommendation includes such products or funds.

Further information about the compensation scheme arrangements is available from the FSCS www.fscs.org.uk/consumer.