Pensions

Pensions Schemes Bill and Section 37 Update
Employee Benefits Pensions

Salary sacrifice for pensions: why it still pays to act now

By Adam Bexson, Senior Consultant  Salary sacrifice – often called salary exchange – isn’t new but it’s back in the spotlight following the November 2025 Budget. For employers, salary sacrifice is a strategic...

levi-guzman-zdSoe8za6Hs-unsplash
Pensions

How inclusive design can improve workplace pension engagement

Pension engagement remains one of the most persistent challenges in running an effective workplace pension scheme.  When employees fail to engage with their pensions – missing communications or deadlines, ...

anthony-delanoix-hzgs56Ze49s-unsplash
Employee Benefits Pensions

Why language matters when talking about pensions – and how to make it work for you

By Adam Bexson, Senior Consultant  When it comes to workplace pensions, the way we talk about them is just as important as the benefits themselves. Too often, pensions are described as “dull” or “b...

budget related AdobeStock_507217490
Pensions

Autumn Budget: Why the Rumoured £2,000 Salary Sacrifice Cap Could Undermine Pensions Reform

Rumours about changes to salary sacrifice appear before almost every Budget. The 2025 Autumn Budget is no different – but the latest reports have prompted a stronger industry response than usual. Several outlet...

A side view of senior pensioner couple hiking by lake in nature, talking. Copy space.
Pensions

Double Materiality: What Is It and What Does It Mean for Pensions in a Changing Climate?

By Deon Dreyer, Investment Director and leads on ESG Advisory at Broadstone Climate change is no longer a distant threat – it’s a financial reality. Pension schemes, insurers and corporates are already feeling ...

Office workers discussing in a board meeting.
Financial planning and pension information Pensions

The Dangers of Defaulting to Fast Track

Fast track… sounds appealing doesn’t it? What trustee board, overloaded with governance documents and new valuation requirements, wouldn’t be attracted to an option that promises to save time and reduces ...

2832
Pensions

What is Salary Exchange for Pensions?

Saving money for retirement is an essential topic of conversation for a large portion of the working population.  The good news is that in the UK specifically, employers can take advantage of various pe...

business accounting or auditor concept, business man using calculator and smartphone to calculating budget and finance  for audit data financial in company
Pensions

Free-Standing Additional Voluntary Contributions (FSAVCs)

At Broadstone, we have offered expertise and support with many types of redress calculations for over 30 years.  This includes redress calculations where the complaint involves the sale of a Free-Standing A...

budget related AdobeStock_507217490
Pensions

Technical Consultation – Inheritance Tax On Pensions: Liability, Reporting and Payment

In general, we are supportive of the government’s aim to ensure that pensions are used for the primary purpose of providing an income for the member, and while individuals may have other assets to use in their ...