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Infographic: The state of the nation’s retirement finances

“Do not save what is left after spending; instead, spend what is left after saving.” These are the words of Warren Buffet, who is widely considered as the world’s best investor. Wise as this advice may be, the brutal reality is that very few people live by this mantra. One of the key reasons we … Continue reading Infographic: The state of the nation’s retirement finances →
Living longer, but…

A recent report shows that life expectancy is still improving, but not as quickly as was once expected.
Spring Statement 2019

The Government published its Spring Statement 2019 on Wednesday 13th March. We’ve summarised, in the document below, what we believe are the key themes and announcements in the Spring Statement. We hope you find it useful.
Are there too many ISAs?

When the ISA was launched back in the late 1990s, it was kept quite simple. After the Insurance ISA was dropped, all one had to choose from were cash or stocks and shares ISAs.
The Telegraph Money Makeover: ‘I want to retire in eight years – ISA or pension?’

It’s the million-dollar question for anyone entering the latter stages of their career: how can you make your savings work as hard (and as tax-efficiently) as possible to ensure your retirement is a comfortable one?
ISAs celebrate their 20th birthday in April

With the arrival of the new tax year closely approaching on 6th April, it’s time to consider your Individual Savings Accounts (ISA) investments, which turn 20 years old in April.
Wiggins, Mike
Five IFAs tell us how they passed CISI Financial Plan Assessment

The CISI Financial Plan Assessment is not for the fainthearted. New Model Adviser tracked down five advisers who recently passes, to discuss their experience of the assessment and what’s next in their professional career.
The future of vertical integration

In the post-pension freedoms world where demand for advice has increased, so has the demand for distribution from product providers.
Our culture and values
The challenges of relying on inheritance to fund retirement

If you’re thinking of using an inheritance to fund your retirement, you’re not alone. However, there are significant challenges to taking this route. Without a back-up plan, it could leave you financially vulnerable once you give up work.
Retirement is changing: the end of the traditional retirement age

The road to retirement used to follow a straight path that almost everyone walked down. You saved into a pension throughout your working life, gave up work on a set date, and used your pension to purchase an annuity to generate a guaranteed income.
Foster Denovo buys Kent-based adviser Orchard Wealth Cultivation

Orchard is a family-run financial planning firm, based in Kent, which provides clients with holistic financial advice and wealth management services.
Foster Denovo buys up Kent advice firm

National advice firm Foster Denovo has acquired Kent-based adviser Orchard Wealth Cultivation for an undisclosed sum.
Foster Denovo Group acquires Orchard Wealth Cultivation as it kicks off ambitious growth strategy

The Foster Denovo Group. the multi-award winning financial advisory business, has today announced that it has acquired Orchard Wealth Cultivation as part of its ambitious growth strategy.
Three ways to save for retirement outside of a workplace pension

While workplace pensions are a key part of saving for retirement, they’re not the only option. In fact, two-thirds of people with a workplace pension are also making further retirement provisions to support their lifestyle once they give up work.
Foster Denovo reveals partner of choice for new platform build

Foster Denovo, the national advice firm, has announced Host Capital as its partner of choice to build its upcoming platform proposition.
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Joanne test page.
What you need to know about your workplace pension

The introduction of auto-enrolment means more people than ever are saving into a workplace pension. It’s a step that could help improve the future financial security of millions of people.
How much do you need to save to be able to retire? Eight in ten are underestimating the sum

Do you know how much you need to save to comfortably retire? If you’re saving into a pension with no goal in mind, it can be difficult to judge if you’re on track.
Olivier, Hendrik
Devin, Beth
Lappin, Rebecca
The future for technology in advice

Technology is here to stay as part of the advice process, it seems. If the advice industry wants to capture younger clients, including those who are likely to be the beneficiaries of generational wealth planning, then the industry will have to continue to adopt technology.
Good, Catrin
Successful young entrepreneur? Don’t expect to retire before 79

Jamie Smith, adviser at Foster Denovo speaks to the Telegraph about how freelancers and business owners face a greater risk of being under-prepared for retirement.
Three reasons why pensions are better than Junior ISAs for your kids

Jamie Smith, Partner at Foster Denovo, talks to Moneywise about the best ways to save for your children’s future and why he believes pensions are a better route.
Diaz, John
Money Makeover – Safeguarding the future

Marc Burman, financial planner and Partner at Foster Denovo, features in The Telegraph’s latest Money Makeover article.
What’s it like to be a Foster Denovo adviser?

Ian Horne asks David Wilkinson and Jamie Smith what the national advice firm, Foster Denovo, does to make them feel listened to, and how a growing business can avoid the cookie-cutter mentality.
Foster Denovo shortlisted for the 2019 Professional Adviser awards

Foster Denovo has been shortlisted for the Adviser Firm of the Year – London at the Professional Adviser 2019 awards.
Whitepaper: Planning for a brighter tomorrow

“Do not save what is left after spending; instead, spend what is left after saving.” These are the words of Warren Buffet, who is widely considered as the world’s best investor. Wise as this advice may be, the brutal reality is that very few people live by this mantra. The reasons for this are complex and … Continue reading Whitepaper: Planning for a brighter tomorrow →
Advisers can learn from lawyers’ low cost initiatives

Advisers can learn from low-cost initiatives of solicitors to enable more people to receive financial advice, according to Jamie Smith of national advice business, Foster Denovo.
Foster Denovo ranked 9th in FT Adviser’s Top 100 Financial Advisers list

Every year FT Adviser release its Top 100 Financial Advisers list which sets out to showcase some of the best financial advisory businesses working in the UK.
Keep it in the family – how many prefer blood to IFAs

New research by Foster Denovo has shown that one third of people would prefer to turn to family over advisers for financial advice.
1 in 3 prefer family to advisers for financial advice

Nearly one in three adults would rather get financial advice from friends and family than a professional financial adviser, according to new research by financial advisory business Foster Denovo.
Third of people feel financial advice costs too much

A third of people shun financial advice because they believe it is too expensive and one in 10 believe advisers can’t be trusted.
Face to face: Foster Denovo’s Roger Brosch meets New Model Adviser

Foster Denovo’s Chief Executive Roger Brosch sits down with Will Robins to explain the business’s plans for the future.
Foster Denovo has named Richard Horton as finance director

Foster Denovo has named Richard Horton as finance director on a permanent basis, following his interim appointment in February 2018.
National advice firm appoints Finance Director

National advice firm Foster Denovo has appointed Richard Horton as finance director.
Foster Denovo Group appoints Richard Horton as Finance Director

Foster Denovo, the national advice firm, has announced that Richard Horton has been appointed as Finance Director on a permanent basis, following his interim appointment in February this year.
Pension full? Ask your boss for a ‘WISA’

You may already have a pension and an ISA, but do you have a WISA?
Advisers say personal allowance rise is biggest Budget win

Almost two-thirds of advisers believe a rise in the personal allowance to £12,500 will have the most positive impact on clients, according to the latest FTAdviser Talking Point poll.
Alan Overy

Alan Overy – Mortgage and Protection Partner I believe that understanding my client’s needs and desires is vital. Having this deep understanding helps me to find, and put in place, the most suitable solutions for my clients and their unique circumstances. I have over a decade of experience in providing mortgage advice and have helped … Continue reading Alan Overy →
The end to austerity takes shape

Delivered on a Monday afternoon instead of the traditional Wednesday, between key meetings in the Brexit negotiations and amidst turbulent times in Westminster, you could be forgiven for losing track of the 2018 Budget.
Autumn Budget 2018

The Government published its Autumn Budget 2018 on Monday 29th October. We’ve summarised, in the document below, what we believe are the key themes and announcements in the Autumn Budget. We hope you find it useful.
Foster Denovo in advanced talks over platform launch

Foster Denovo, the multi-award winning firm of financial advisers, has said it is in advanced discussions over building a new platform, which would be the “last piece of the jigsaw” for its technology upgrades.
Record inheritance tax revenues ahead of simplification review

2017/18 produced record inheritance tax (IHT) receipts according to HMRC data published in July.
Preparing for volatility

We appear to be coming to the end of a cycle in the markets. Having experienced a near ten-year bull run, volatility is widely predicted and a market correction may be on the horizon. The level of global economic expansion in this time has left equities, bonds and other asset classes heavily overpriced, returning poor … Continue reading Preparing for volatility →
Meet our FRWRA winners: Augusta Onyiuke-Eluma, Foster Denovo

Financial Reporter speak to the winners of the inaugural Financial Reporter Women’s Recognition Awards about what the awards mean to them and how we can achieve gender equality within our industry.
The residence nil rate band: what is it and how does it work?

The amount of inheritance tax (IHT) received by the government has increased steadily over each of the past seven years*. Several reasons explain the increase, from rising asset prices, including property and stock market values, to the fact the threshold has remained static at £325,000 since April 2009 and will remain unchanged until at least 2020/21.
Financial wellbeing means stepping beyond pensions

Darren Laverty, Partner at our employee benefits division Secondsight, has written a blog post in Pensions Expert discussing what makes a successful financial wellbeing strategy.
Financial Planning Week – ‘plan well to live well’

UK Financial Planning Week takes place from 3rd – 10th October and, linking in with this is World Financial Planning Day on Wednesday 3rd October.
Foster Denovo swings into profit

Foster Denovo has swung into profit on the back of the growth of its advice business.
Foster Denovo Group 2017 financial results shows return to profitability and 9% revenue growth

Foster Denovo Group Limited, the parent company of national financial advisory business Foster Denovo Limited and fund management company Sequel Investments Limited, announces its audited financial results for 2017.
Saunders, Robert
Increasing inheritance benefits for couples

Couples could now save an extra £20,000 of inheritance tax (IHT), as the residence nil rate band (RNRB) increased in April 2018.
Shared ownership week

From 20th – 26th September 2018, shared ownership week will be taking place across the UK with the aim to raise awareness and help promote shared ownership schemes.
Success at the 2018 Financial Reporter Women’s Recognition Awards

Congratulations to one of our mortgage Partners, Augusta Onyiuke- Eluma who won Mortgage Adviser of the Year at the 2018 Financial Reporter Women’s Recognition Awards.
Overy, Alan
Beynon, Mark
Pension Awareness Day – why saving for the future early is so important

Pension Awareness Day takes place annually on the 15th September and aims to address the challenge the UK is facing – we are not saving enough for the future.
The lessons I’ve learned on adviser recruitment

Paul Mattock, Head of Partnership Recruitment at Foster Denovo, discusses the key lessons he has learned throughout his career in a blog post in Illuminate magazine.
Cookie policy

Our cookie policy What is a cookie A cookie is a small text file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added. Cookies are used for many different jobs that ensure your use of the website and internet as a whole are smooth and interactive, … Continue reading Cookie policy →
Privacy policy

Our privacy policy This privacy policy only covers Foster Denovo’s website. It sets out: what information we may collect from you; who is collecting it; why we are collecting it; how we will use the information collected; who we will share the information with; how long we will keep your information; what effect this will have … Continue reading Privacy policy →
Rowell, Nikki
Jarvis, Hayley
Mental Health First Aid Course

Employers are increasingly understanding the need to support their workforce with mental ill health and promote wellbeing in the workplace. One of the ways employers are doing this is through mental health first aid courses and equipping HR and line managers so they are able to recognise the signs and symptoms of common mental health … Continue reading Mental Health First Aid Course →
Foster Denovo shortlisted

Financial adviser firm Foster Denovo has been shortlisted in the Silver Employer of the Year 50-249 category at the Investors in People Awards 2018.
Three reasons why (and why not) to transfer your defined benefit pension

Answers to the question “what should I do with my pension” should always start with another question: “what do you want to do with it?”
Foster Denovo shortlisted for prestigious IIP Award

National financial advisory firm Foster Denovo has been shortlisted in the Silver Employer of the year 50-249 category at the Investors in People Awards.
Foster Denovo shortlisted for prestigious Investors in People Award 2018

London – Foster Denovo, the multi-award winning firm of financial advisers, has been shortlisted in the Silver Employer of the year 50-249 category at the Investors in People Awards 2018.
Biggest advice firms commit to DB transfer market

The possibility of increased professional indemnity (PI) insurance premiums is not deterring national advice firms from offering defined benefit (DB) transfer advice, New Model Adviser has discovered.
Fisher, Nickie
UK interest rate raised to 0.75% – what does this mean for you?

Today, Thursday 2nd August, the Bank of England (BoE) announced a base rate rise from 0.5% to 0.75% – making it the highest rate since March 2009. The decision was widely expected and is only the second rise in over a decade.
Foster Denovo adviser shortlisted for Women in Financial Advice Awards

Augusta Onyiuke-Eluma, Partner at Foster Denovo, has been shortlisted for Mortgage Adviser of the Year and Rising Star at the Women in Financial Advice Awards. She has also been shortlisted for Mortgage Adviser of the Year at the Financial Reporter Women’s Recognition Awards.
Foster Denovo proudly sponsors Superhero Series

London – Foster Denovo, the multi- award winning firm of financial advisers, is set to rub shoulders with caped crusaders and masked heroines as a proud sponsor of the second annual Superhero Tri event next month.
Getting the right financial advice when it comes to DB pension transfers

While it is a legal requirement to take specialist financial advice if you have DB benefits with a transfer value of over £30,000, it does not always mean that transferring will be the right outcome for you.
Why retirees with final salary pensions should get advice

People approaching retirement and considering cashing in their final salary pensions are being urged to get financial advice before proceeding with taking out a lump sum.
Beaufort Securities: What happened?

The collapse of a major stockbroker is undoubtably a huge inconvenience and potentially expensive for its clients. Unfortunately for the 17,000 people with ISAs, pensions and investments at Beaufort Securities Ltd (BSL), they are realising the hard way.
Bateman, Caroline
Lucite

Bespoke retirement advice for Lucite pension scheme members When to retire and how best to access your money in retirement are no longer simple questions to answer; pension freedom provides flexibility but makes decision making far more complicated. If you are at-retirement and are unsure what action to take, then talk to a qualified financial … Continue reading Lucite →
Five tips to get the right advice for your DB pension transfer

Jamie Smith of Foster Denovo says using an adviser with practical experience is key when deciding whether to transfer a final salary pension.
Minhal, Raza
Secondsight wins Best Corporate Adviser at the Money Marketing Awards

We are delighted to announce Secondsight, our employee benefits division, retained its title and won Best Corporate Adviser, for the second year running, at the 2018 Money Marketing awards!
Case studies: Defined benefit pension advice

Because the income from a DB pension scheme is guaranteed for life, you need to be certain that transferring your benefits out of your DB pension scheme is the right thing for you, as the transfer cannot be reversed. If you’re not certain about transferring, it may be best to keep your benefits where they … Continue reading Case studies: Defined benefit pension advice →
Foster Denovo hosts breast cancer lunch and learn session

National advisory organisation Foster Denovo hosted a breast cancer awareness lunch and learn session as part of its employee wellbeing programme.
Boom in defined benefit (DB) pension transfers

2017 saw a dramatic increase in transfers out of private sector final salaries.
Pensioners underspending and bequeathing most wealth on death

Many older people are underspending in retirement, and are set to bequeath the majority of their wealth to younger generations instead, according to research by the Institute for Fiscal Studies.
Guide to defined benefit pension transfers

Things to consider before transferring your defined benefit (DB) pension scheme We understand that the decision to transfer out of a DB pension scheme can be a little daunting. So we’ve put together a guide to help you understand the sorts of things you need to consider carefully before deciding if transferring your DB benefits … Continue reading Guide to defined benefit pension transfers →
A guide to defined benefit pension transfers

Things to consider before transferring your defined benefit (DB) pension We understand that the decision to transfer out of a DB pension scheme can be a little daunting. So we’ve put together a guide to help you understand the sorts of things you need to consider carefully before deciding if transferring your DB benefits is … Continue reading A guide to defined benefit pension transfers →
Diary of an adviser: Sharon Mattheus

Sharon Mattheus, Private Client Partner based in our London office, gives FT Adviser an insight into her working week.
Financial advisers recognised with Investors in People award

Investors in People is the international standard for people management, defining what it takes to lead, support and manage people effectively to achieve sustainable results.
Frangou, Christina
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Towry’s former IFA buyer joins financial planner

Foster Denovo group has hired Henna Fry as head of corporate development, as it eyes more acquisitions.
Foster Denovo appoints Head of Corporate Development

Foster Denovo has appointed Henna Fry into the new role of head of corporate development.
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Dividends expected to slow after strong 2017

A recently released report shows dividend payments in the UK grew more than 10% in 2017.
Stock market volatility: Keep calm, and carry on

It’s inevitable that periodically, stock markets around the world will experience spells of volatility.
Can you trust the ‘safe withdrawal rate’?

How much can you spend in retirement without worrying about running out of money?
Marc Burman

Marc Burman – Partner Firstly, I will want to get to know you and truly understand what is really important to you. Having an understanding of what matters to you will help me to identify your short and long-term financial objectives. Once I understand your objectives, I will work with you to develop, and put … Continue reading Marc Burman →
New tax year: what you need to know

Jamie Smith, Partner at Foster Denovo, was recently interviewed by Jenny Hammond at Asset TV Investor. As the new tax year gets underway, Jamie discusses who will be affected by changes that take effect this April.
Thank you

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Foster Denovo recognised as an Investor in People

Foster Denovo, the national firm of financial advisers, has been awarded silver accreditation against the Investors in People Standard, demonstrating their commitment to high performance through good people management.
Would you be financially prepared if the worst were to happen?

Would you be financially prepared if the worst were to happen? Sometimes life throws the unthinkable at us. When you’re fit and healthy, you don’t worry about not being able to work and pay the bills. But getting a serious illness could change that very quickly. And it can happen to anyone, at any time. … Continue reading Would you be financially prepared if the worst were to happen? →
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ISA inheritance rules simplified

The rules for inheriting ISAs will change at the start of the new tax year on 6th April.
Start of the 2018/19 tax year – what’s new?

The 2018/19 tax year starts on 6th April, marking several changes to tax and other related matters that could make you richer… or poorer.
Secondsight shortlisted for Money Marketing awards

Our employee benefits division, Secondsight, is delighted to learn that it has been recognised and shortlisted in the category Best Corporate Adviser at this year’s Money Marketing awards. This builds on its success from last year, where Secondsight was crowned winners in the same category.
Roger Brosch discusses regulatory change and technological advances

Smaller firms are facing increasing difficulties in the form of greater regulatory demands and technological advances, while some “don’t have any idea what MiFID II means for them,” Roger Brosch, Foster Denovo CEO, has warned.
Unadkat, Raj
Leaflet: The value of ISAs

ISAs offer a range of unique benefits and are an important part of financial planning because they provide a way of sheltering your money from tax. This leaflet summarises the key benefits of having an ISA, the different types of ISA and how you can use your ISA allowance. Download this leaflet below.
Spring Statement 2018

The Government published its Spring Statement 2018 on Tuesday 13th March. We’ve summarised, in the document below, what we believe are the key themes and announcements in the Spring Statement. We hope you find it useful.
Have you maximised your pension contributions?

With year end approaching, February and March are popular times for reviewing and making pension contributions. This is because you should, at this stage, have a good idea of what your income for the tax year will be and how much you may be able to contribute as a one-off payment before 6th April arrives.
New Spring Statement scheduled for 13th March 2018

The Chancellor will not be releasing a Spring Budget this March, but instead will present a Spring Statement to the House of Commons.
Burman, Marc
Foster Denovo hires 4 advisers in private client expansion

National financial advisory firm Foster Denovo has recruited four new advisers for its London-based Private Client division as it plots a growth strategy in 2018.
Foster Denovo makes series of adviser appointments

Foster Denovo, multi-award winning national firm of financial advisers, has recently taken on four new advisers in its Private Client division in London.
Foster Denovo appoints interim finance director

Foster Denovo Group Limited, the parent company of national financial advisory business Foster Denovo Limited and fund management company Sequel Investments Limited, has appointed Richard Horton as finance director.
Foster Denovo hires ex-LEBC finance director to aid growth

National advice firm Foster Denovo has turned to experienced finance director Richard Horton to help it secure acquisition and fundraising deals.
Inheritance, lottery win, business sale. How to handle a large amount of capital

There are several ways that you, or someone you know, could come into a large amount of money; an inheritance, selling a business, a legal settlement, even a lottery or Premium Bonds win, all spring to mind.
8 things to consider before retirement

Retirement; what does that word mean for you? A chance to do those things you were never able to when you were working? Spending time with the grandchildren? Taking up new hobbies?
Meet the Adviser Champions: Foster Denovo’s Jamie Smith

Professional Adviser’s video series ‘Adviser Champions’ returns for the first time this year, featuring Jamie Smith, Partner at Foster Denovo.
Can flexible benefits technology improve employees’ engagement with their benefits?

Any employer investing significant sums of money in flexible benefits packages wants to see a return on that investment, both in terms of take-up but also, eventually, engagement, retention and productivity.
Inside my business: Roger Brosch of Foster Denovo

Roger Brosch, CEO of wealth manager Foster Denovo, tells Financial Planning Today about how the firm has grown, his business journey and his plans for the future of the company.
Heading into 2018 with money on our minds

As a result of growing political instability in the UK, people are becoming more and more concerned about their wealth. That is, how they can go about maintaining it, but also about how they can maximise any opportunities around savings and investments.
Bucks office

We now have a team of pension, employee benefits and wellness experts based in Marlow, Buckinghamshire. This is due to the acquisition of the employee benefits consultancy, TEBC Limited, in October 2017. This means that, in addition to providing corporate advice on pensions and group risk, as well as face-to-face member advice, we can now … Continue reading Bucks office →
Technology and AI will help to underpin, but not replace, financial advice

Roger Brosch, CEO of Foster Denovo, offers his predictions for 2018 and believes the industry will see the rise of artificial intelligence (AI).
Brochure: Meaningful financial planning

Putting you in the best place to achieve your financial goals We believe having a financial plan in place will help you achieve your financial goals and give you peace of mind. Your plan may be long-term; perhaps you want to make your money work harder. Or your financial plan might be simple – you may … Continue reading Brochure: Meaningful financial planning →
How to make 2018 your richest year yet

Jamie Smith, Partner at Foster Denovo, gives his predictions for helping to make 2018 a financially successful year in a recent article in the Daily Mail.
Contractor mortgage calculator

Contractor mortgage calculator – how much can I borrow? Our mortgage calculator is a useful tool in finding out how much you, as a contractor, could potentially borrow. It is fast and easy to use but it’s only designed to give you basic idea of what you could borrow. The actual amount you can borrow … Continue reading Contractor mortgage calculator →
Christoforou, Nikos
Stamp duty cut for first-time buyers

The Autumn Budget 2017 was delivered by the Chancellor, Mr Hammond, on Wednesday 22nd November 2017. One of the key announcements was that stamp duty will be cut for first-time buyers, in an aim to make home ownership more affordable for young people in the UK.
Are IFAs missing out on workplace wins?

The workplace presents a significant opportunity for advisers, yet many are still shunning this sizable market, experts argue.
Autumn Budget 2017

The government published its Autumn Budget 2017 yesterday, Wednesday 22nd November. We’ve summarised, in the document below, what we believe are the key themes and announcements in the Budget. We hope you find it useful.
Yorath, Oliver
Davies, Dafydd
David Currie discusses Foster Denovo’s plans for growth

As a former investment banker who has acted on IPO and acquisition deals involving Virgin Mobile and Fitness First, David Currie is not a man to be sniffed at.
Video: Why you should consider protecting yourself and your family

It is vital to protect yourself and your family’s future in case anything unexpected happens. Should the unforeseen occur, your family may be at risk of losing the family home, or be faced with a burden of debt they are unable to pay.
Video: How we can help you to protect what matters

We’ll help give you reassurance and peace of mind that your family will still have money available should anything unexpected happen, and that their future is financially protected.
Video: Why the self-employed should consider taking out protection

Why is taking out protection so important for the self-employed?
Video: Helping you through the mortgage maze

Whether your circumstances are simple or complex, we can provide you with mortgage advice to help you secure the mortgage that will best suit you.
Video: How we can help when you’re approaching retirement

Planning how to fund your retirement is no longer just about pensions, there are many other considerations to take into account. Whether it’s a long way off or just around the corner, retirement planning can help you to get the lifestyle you really want.
Video: What can you expect when you partner with us?

We can partner with you to provide expert financial advice to your clients.
Video: Lifetime financial planning lies at the heart of our service

Our Partners can use lifetime financial planning (cash flow modelling) with you to show you where you are now financially, and whether you have the resources to meet your ambitions in the future.
What does the interest rate rise mean for you as a mortgage holder?

On Thursday 1st November, the Bank of England announced an interest rate rise for the first time in a decade.
Calculator test page

Contractor mortgage calculator – how much can I borrow? Our mortgage calculator is a useful tool in finding out how much you, as a contractor, could potentially borrow. It is fast and easy to use by filling in your hourly or daily rate below. However, it’s only designed to give you a basic idea of … Continue reading Calculator test page →
What happens to my pension when I die?

Pensions and death. Two topics that aren’t guaranteed to make for cheerful reading. But bear with us, what we have to say is as important for you as it is your children or grandchildren.
Retiring soon? Should you transfer your defined benefit pension?

Apparently, it was ex-world heavyweight champion (and famous grill salesman) George Foreman, who said: “The question isn’t at what age I want to retire, it’s at what income.”
Lewis, Sue
Foster Denovo acquires employee benefits consultancy TEBC

Foster Denovo has acquired employee benefits consultancy TEBC and plans to merge it with its own employee benefits operation, Secondsight.
Foster Denovo acquires TEBC

The Foster Denovo Group is delighted to confirm the acquisition of TEBC Limited, an employee benefits consultancy.
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Secondsight uses pension guidance tool

Secondsight, the employee benefits division of Foster Denovo, adds Selectapension’s digital pension guidance tool ‘Pension Monster’ to its employee engagement and financial education portal.
Leaflet: Helping you as a contractor to secure the mortgage you want

Helping you as a contractor to secure the mortgage you want We know that, when it comes to securing a mortgage, the contracting world is different to full time employment. The amount you can borrow as a contractor is often based on what your accounts show and doesn’t always reflect what you earn, and the … Continue reading Leaflet: Helping you as a contractor to secure the mortgage you want →
Foster Denovo appoints new Chairman to lead next phase of expansion

Foster Denovo has appointed David Currie as its new Chairman, following Keith Carby’s decision to step down from the role.
Video: Delivering an outstanding service to our Private Wealth clients

We strive to exceed our clients’ expectations in all aspects of wealth management.
Video: How we work with our Private Wealth clients

Our Partners have developed four key principles to help you design the future you want.
Video: Why clients work with our Private Wealth Partners

Helping our clients manage, preserve and grow their wealth.
Foster Denovo appoints David Currie as new Chairman

Foster Denovo is delighted to announce the appointment of David Currie as the new Chairman of its Board, to support the next phase of expansion.
Specialist contractor mortgage advice
Foster Denovo Group Chairman Keith Carby steps down from the board

Foster Denovo Group Limited today announces that ones of its founders and its Non-Executive Chairman, Keith Carby, is resigning from the board of the Group, being the end of his current three-year rotation as a Non-Executive Director.
Diary of an adviser: Paul Mattock

Paul Mattock, Head of Partnership Recruitment at Foster Denovo, gives an insight into his working week in a recent article featured in the FT Adviser.
Transformation of employee benefits data management in the UK

Our employee benefits division, Secondsight, has invested in new software that will enable their clients to fully understand their protection insurance membership data in real-time.
Pension Awareness Day – are you saving enough for retirement?

Today is Pension Awareness Day – a campaign that takes place annually on 15th September. The campaign aims to promote the importance of pensions and saving for the future, and alert the nation that it is not saving enough for retirement.
Advisers value a friendly workplace

An increasing number of advisers are looking to join companies that offer high levels of support and camaraderie, according to adviser recruitment specialist Paul Mattock, Head of Partnership Recruitment at Foster Denovo.
Self-employed vulnerable to financial shocks

Many dream of being self-employed; being your own boss sounds great, especially as the goal of retirement seems to creep further out of reach. But there are drawbacks. Around two million of UK self-employed workers struggle to save any money each month, leaving them vulnerable to financial shocks.
Our Team

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Case Study: Alleviating the financial burden of inheritance tax

Paul and Claire are in their late thirties and live in Surrey. Paul’s wife Claire is a stay at home mum to their three young children, aged, 2, 4 and 7. Paul works in London as a marketing manager. He has a large mortgage on his property and some credit card debt. He also desperately needs … Continue reading Case Study: Alleviating the financial burden of inheritance tax →
Case Study: How to live life to the full and leave an inheritance

Mr and Mrs Godfrey are in their early 60s. Both have had good careers in the private sector. They have two daughters, aged 35 and 33. Both are married with three young children between them. Mrs Godfrey stopped working only recently and is now drawing upon her private pension. Mr Godfrey wishes to finish work … Continue reading Case Study: How to live life to the full and leave an inheritance →
Protecting for the unforeseen
Pension flexibility – two years on

The Financial Conduct Authority (FCA) has examined the impact of pension flexibility and is worried about the lack of professional advice being taken.
State pension age set to rise again

The government has announced plans for a further increase in state pension age.
New research shows clients on average £40,000 better off than unadvised peers

New research by the International Longevity Centre – UK (ILC-UK) reveals that those who receive financial advice accumulate more liquid financial assets and pension wealth than their unadvised peers.
Employers face challenges communicating benefits to workforce

Our digital brand, Mybenefitsatwork, recently conducted research on the challenges that employers face when communicating their workplace benefits.
The time has come to support staff with financial freedom

The time has come to ‘support staff on their road to obtaining financial freedom’. New book from Darren Laverty, Partner at Secondsight, our employee benefits division, looks at how workplace financial education can help.
Our investment advice
How we work
Retired – and still paying off the mortgage

More and more of us are having to take out 30, 35 or even 40 year loans, but there are risks. Ash Manning, Mortgage Partner at Foster Denovo, comments on mortgage affordability in The Sunday Times article.
What next for DB pension transfer advice?

Pension freedoms have opened defined benefit members’ eyes to the mouth-watering transfer values currently on offer if they give up their guaranteed benefits and move to a defined contribution scheme.
Secondsight wins Best Corporate Adviser at the Money Marketing Awards 2017

The Money Marketing Awards 2017 took place last night, 22nd June, and we’re delighted to announce that our employee benefits division – Secondsight, part of the Foster Denovo Group – won the ‘Best Corporate Adviser’ category.
Sharon Mattheus

Sharon Mattheus – Partner I want to help you to achieve your financial goals. In order to do this, I will put you at the heart of everything I do. Initially I will find out about you. I want to get to the bottom of what is really important to you, and understand what you … Continue reading Sharon Mattheus →
90% of employers find benefits communication ‘a challenge’

According to research conducted by our digital brand, Mybenefitsatwork, a staggering 90% of HR leaders state they face challenges when communicating their benefits package to employees.
9 in 10 businesses ‘struggle to communicate benefits’

The poll of 250 UK HR directors and managers by our employee benefits communication portal, Mybenefitsatwork, found that although 52% offer a benefits package to their workforce, failing to properly communicate can results in a reduced return on investment.
Diary of adviser: Neil Wortham

Neil Wortham, Head of Partnership Support at Foster Denovo, has given an insight into his working week in an article featured in FT Adviser.
Research: The workplace communication challenge

Our digital brand, Mybenefitsatwork (MBAW), has commissioned research to find out how UK employers currently communicate their benefits, and the challenges they face when doing so. Increasingly, employers are investing in competitive benefits because they want to look after their workforce and help improve job satisfaction levels, employee engagement and to bring down the costs … Continue reading Research: The workplace communication challenge →
90% of employers face challenges communicating benefits to the workforce

Our digital brand, Mybenefitsatwork, has conducted research which highlights the workplace benefits communications challenges.
Mattheus, Sharon
Secondsight working with Foster + Partners

Our Employee Benefits brand, Secondsight, have been working with Foster + Partners to implement the Mybenefitsatwork portal.
Keep ahead of the tech times

Attitudes to staff health are changing almost as fast as the technology we use on a daily basis. Canny employers make sure that the two are combined for an effective strategy, says Ian Bird, founder and director of business development at Mybenefitsatwork, part of the Foster Denovo group.
Phoenix Life flies flag for pensions dashboard

Life and pensions fund provider Phoenix Life has hosted one of the five pensions dashboard events convened by the Association of British Insurers (ABI), at its main operating centre in Wythall near Birmingham.
Service matters
Foster Denovo considers own platform to cut charges

National advice firm Foster Denovo is looking at building its own platform to avoid passing on the costs of retail platforms to clients.
Foster Denovo discusses plans for growth

Foster Denovo Chief Executive, Roger Brosch, discusses plans for growth in a recent article in the FT Adviser. Mr Brosch states, “we are looking for a wider geographic footprint and we are talking to a number of businesses.”
Secondsight appoints Morag Livingstone to Head of Group Risk and Wellbeing

Our Employee Benefits brand, Secondsight, is delighted to announce that Morag Livingstone has been promoted to the new role of Head of Group Risk and Wellbeing.
Manage and protect your wealth

Building your future on a strong base When you decide to work with a Senior Partner from our Private Wealth team, you’ll find them to be disciplined, collaborative and visionary. We will focus on four key areas to help you design the future you want: 1. Build a bespoke plan for you using cash-flow modelling … Continue reading Manage and protect your wealth →
Clients’ testimonials
LSF

Bespoke retirement advice for LSF pension scheme members When to retire and how best to access your money in retirement are no longer simple questions to answer; pension freedom provides flexibility but makes decision making far more complicated. If you are unsure what action to take, then talk to a qualified financial adviser, for just … Continue reading LSF →
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What’s next for Brexit?

Since the referendum and decision to leave the EU almost one year ago, there has been little progress towards understanding exactly what the longer-term implications of Brexit will mean for UK employers and their people.
Pension scheme members offer

Bespoke retirement advice for pension scheme members When to retire and how best to access your money in retirement are no longer simple questions to answer; pension freedom provides flexibility but makes decision making far more complicated. If you are unsure what action to take, then talk to a qualified financial adviser, for just £XXX. … Continue reading Pension scheme members offer →
The Lifetime ISA – everything you need to know

A new ISA variant, the Lifetime ISA (LISA), launched on Thursday 6th April.
The Lifetime ISA (LISA)

We’ve summarised everything you need to know about the LISA here.
Nearly two thirds of HR professionals expect Brexit to impact their strategy

Research conducted by our employee benefits brand, Secondsight, highlights that almost two thirds (62%) of HR professionals expect the decision to leave the European Union (EU) to impact their HR strategy.
Secondsight to offer international benefits

Our employee benefits brand, Secondsight, and In2Matrix, an international employee benefits brokerage and consultancy, have joined forces to offer international employee benefits to multinational clients.
The ever changing benefits landscape – Research

In the week the Prime Minster triggers Article 50, nearly two thirds of HR professionals tell us they expect Brexit to impact their HR strategy.
Private Medical Insurance

Are you considering taking out private medical insurance or would like a review of your existing policy? Find out more about how we can help you here.
Research: The ever changing benefits landscape

In a bid to understand the views of HR professionals and their main challenges, our employee benefits division, Secondsight, has conducted a comprehensive research. The survey was completed by 250 UK HR Directors and Managers. Some of the key findings include: 62% of respondents expect the leave vote to impact their business and HR strategy … Continue reading Research: The ever changing benefits landscape →
YBS Share Plans selects Foster Denovo to support financial education in the workplace

Foster Denovo’s employee benefits division, Secondsight, has created a bespoke share plan online portal.
Metrics offer a way to improve advice quality control, says Foster Denovo

Paula Brazier, Head of Client Experience at Foster Denovo, believes adopting customer satisfaction metrics can help advisers gauge the quality of service they offer their clients.
Leigh Mahoney

Leigh Mahoney – Partner Wouldn’t we all love the security that financial freedom can bring? I work with my clients to simplify what can sometimes be complicated financial matters, and I help them to form a financial plan for their future. I have been described as friendly and approachable; a knowledgeable financial adviser who you … Continue reading Leigh Mahoney →
Smith, Jamie
Jamie Smith

Jamie Smith – Partner Helping clients achieve financial freedom and security One of the things I most enjoy about my job as a financial adviser at Foster Denovo is working with people from a broad variety of backgrounds and different walks of life. I enjoy getting to know my clients, finding out what their financial … Continue reading Jamie Smith →
Spring Budget 2017

Philip Hammond delivered his Spring Budget 2017 yesterday, Wednesday 8th March. We’ve summarised what we believe are the key themes and announcements in the document below.
Spring Budget 2017: Commentary

Philip Hammond delivered the Spring Budget 2017 today. Our Partner, Jamie Smith, comments:
Manning, Ash
Ash Manning

Ash Manning – Partner For many people, buying a home is probably the biggest financial commitment they will ever make. And I take personal pride in thoroughly getting to know my clients’ requirements, so that I can advise on the most suitable, impartial and unbiased options available to them. Buying a house is a long-term … Continue reading Ash Manning →
Brochure: You and Foster Denovo

Life looks better with a financial plan in place When making decisions about your financial future, we believe these should be made as part of an overall financial plan. To help you achieve your financial goals, whether they are personal, business focused or impact your employees or members, we strongly believe it’s crucial to work … Continue reading Brochure: You and Foster Denovo →
Have you used your ISA allowance this tax year?

Each tax year the maximum annual amount you can save or invest in an Individual Savings Account (ISA) is £15,240. The current tax year runs from 6th April 2016 to 5th April 2017.
Downes, Kerry
Effective Tax Planning

With the 2016/17 tax year end fast approaching on 5th April, it’s a good time to think about tax planning. The tax system can be complex but there are many legitimate opportunities for you to reduce the amount of tax you pay.
The Residence Nil Rate Band explained

The Residence Nil Rate Band (RNRB) comes into effect from April this year.
The last Spring Budget date has been announced

It may feel like Mr Hammond’s Autumn Statement was only released a few days ago, but the Treasury has now confirmed the date of the next Budget.
2017 benefit trends

Our employee benefits division, Secondsight, share their thoughts on what they think some of the trends in employee benefits will be this year, including financial education and healthcare.
Thank you

Thank you Thank you for recently showing an interest in our Partner opportunities here at Foster Denovo. Our adviser recruitment team will get in touch with you to answer any questions you may have about our Partner opportunities and help you decide whether it’s something for you. Kind Regards, The Foster Denovo Team
Events
Foster Denovo recruits Head of Recruitment and Head of Business Development

Karen Wright recently joins Foster Denovo as Head of Business Development for Private Clients. Karen will manage some of the Partner’s Private Client division and all strategic partnerships of the firm. Foster Denovo also welcomes Paul Mattock, who joins the firm as Head of Recruitment.
2016 Autumn Statement

Philip Hammond yesterday, the 23rd November delivered his first Autumn Statement as Chancellor. Read the key points in our summary document.
A new era for the USA

A new era for the USA After what has been one of the most bitterly fought presidential elections in recent memory, Donald Trump’s victory still came as a surprise to many. Despite the war of words and rhetoric in the campaign, there is a lack of substance or certainty about what kind of policies will … Continue reading A new era for the USA →
Deal to help tenants break free from generation rent

North East housing provider, Prince Bishops Homes, has teamed up with Mansfield Building Society to help more renters get onto the property ladder. The mortgage lender has become the first to allow any increased value of a rented home over the period of tenancy, to be used as part of a purchase deposit.
Mental Health First Aid Course (MHFA) 16th and 24th Feb

Gain comprehensive knowledge of the signs and symptoms of mental ill-health at this two day course.
National Stress Awareness Day

Morag Livingston, Group Risk and Healthcare Manager at Secondsight, thinks that greater emphasis should be placed on today’s employees – to support them with stress.
Beating workplace stress

Introducing flexible hours, early finish Fridays and a caring management style are the best ways of tackling workplace stress, according to findings released to mark today’s National Stress Awareness Day.
Employee Wellbeing Forum – 22nd November

Employee wellbeing is increasingly high on the agenda for many organisations. But, does your wellbeing strategy consider the link between financial wellbeing and mental health?
Research: Employee benefits benchmarking report

Understand how your employee benefits measure up The challenge that you face as an employer is creating a benefits, recognition and reward system that offers value for money and a return on investment. But, also reflects the values of your organisation and the value you place on your employees. This benchmarking report is to provide … Continue reading Research: Employee benefits benchmarking report →
Understand how your employee benefits measure up

Employee benefits are an essential part of any reward and remuneration package, with many businesses offering them as a way of helping with recruitment, retention, supporting employer brand and positive word of mouth.
Organisations join forces to launch MHFA course

Secondsight, our employee benefits specialist, has joined forces with Minding Your Business, which focuses on mental health issues in the workplace, to launch Mental Health First Aid (MHFA) courses.
Dog agility classes relieve an intense week

Morag Livingston, Group Risk and Healthcare Manager shares details of what a typical week can often hold.
Feeding the appetite for financial education

Darren Laverty shares his thoughts on workplace financial education, including how we’ve been working with Ricoh on their financial education project.
Tackling staff absence

Our employee benefits division, Secondsight, has launched a wellbeing guide on health issues that make employees too ill to work and how to tackle them.
80% of employees would be more loyal if they understood their benefits

There is no doubting that adopting a holistic approach to employee wellness and wellbeing makes complete business sense; the focus should be around body, mind and money – physical, mental and financial.
Secondsight Autumn HR Forum – 6th October

Bringing together a number of guest speakers, this event run by Secondsight, our employee benefits division, will address topical HR issues impacting on your HR strategy.
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Capita launches new advice service for employees approaching retirement

Capita Employee Benefits has joined forces with LV=, Foster Denovo Limited and Towry to offer guidance and financial advice to members approaching retirement.
Financial awareness – Getting the message right

Marketing financial awareness in the right way can make a big difference to its success.
Why early intervention is a win/win for everyone

Morag Livingston, Secondsight’s group risk and healthcare manager shares her thoughts on why early intervention is a win/win for everyone
Guide for employers: What makes people too ill to work?

Secondsight, the award winning employee benefits division of Foster Denovo, has launched a wellbeing guide for employers, in a bid to address the areas that make people too ill to work and how this issue can be combated.
Adam Rideout

Adam Rideout – Senior Partner “What do you want your money to do for you?” Your answer will be as unique to you as your fingerprint. My job as a financial planner, is to understand the goals and objectives you have in life, then work with you to create a tailored financial plan designed to … Continue reading Adam Rideout →
Guide: Wellbeing in the workplace

A well workforce: what does it look like and how can I achieve it? Here we take a 360° look at wellness and wellbeing in the workplace: the facts, the figures the proven benefits of promoting a well workforce. Together with the nuts and bolts of what makes an effective employee wellbeing programme. Whether you … Continue reading Guide: Wellbeing in the workplace →
Aviva to launch face-to-face advice service in the autumn

Aviva is planning to launch an at-retirement service later this year, in response to increased demand since last year’s pension freedoms.
Newsletter – FD News Snapshot

FD News Snapshot FD News Snapshot is our client newsletter that is published every quarter (spring, summer, autumn and winter) and covers various financial topics. If you would like to read a specific edition, please click the links below. Summer edition 2018 Spring edition 2018 Winter edition 2017 Autumn edition 2017 Spring edition 2017 Summer edition … Continue reading Newsletter – FD News Snapshot →
Brochure: Meaningful financial planning

Putting you in the best place to achieve your financial goals It’s important to have a financial plan to identify the events in your life that need significant capital and to plan for them. Our financial advisers will want to understand what is really important to you. They will find out where you are now financially and where … Continue reading Brochure: Meaningful financial planning →
Ricoh UK engages staff with financial education

Ricoh UK sees 1,000 requests for follow-on financial education workshops since scheme launch.
Employers need to talk openly about mental health

Businesses and employees alike would benefit from ‘conversations to normalise mental health issues’, says Jessica Carmody who presented at our Annual HR Masterclass.
Brexit update – 24 June 2016
ISA – The early bird catches the worm

It’s never too early to invest in a stocks and shares ISA The new tax year is now well underway, but have you thought about investing your ISA allowance of £15,240 for 2016/17 yet? If you haven’t, it could be time to consider it. If you become an early ISA investor you could be better … Continue reading ISA – The early bird catches the worm →
Employer loan schemes can help tackle stress

Employers should provide low-interest loan products as part of a benefits package, discussed by Ian Bird at the Secondsight HR Masterclass.
Foster Denovo recruits 3 new Partners

Foster Denovo announces another three new Partners who have joined the business – Ryan O’Connell, Jagdeep Singh and Chris Hardaker – as the company continues its recruitment drive.
Foster Denovo merger will lead to adviser growth

The merger of two divisions at Foster Denovo will lead to a growth in clients and advisers, the company has said.
The time is now

Long on the horizon, automatic enrolment is set to become a reality for small and medium-sized charities. Ian Bird advises on how to make implementation a painless process.
Capita

Financial advice to help you make the most of your money Most of us would agree that we don’t make our money work hard enough. We all have financial goals yet how many of us actually take any action to achieve them? Wouldn’t you feel relieved to know that your financial wellbeing was being taken care … Continue reading Capita →
Stroke awareness – have you thought about what would happen to you and your family if you were unable to work tomorrow?

Stroke occurs approximately 152,000 times a year in the UK – that’s one every three minutes and 27 seconds – and there are more than 1.2 million stroke survivors
Foster Denovo merges Charity Solutions into Secondsight

Foster Denovo Limited is merging its Charity Solutions employee benefits offering into Secondsight; the company’s dedicated employee benefits division
What our clients think of us
My wealth

Helping you to invest in your future When you own assets and a certain level of wealth, you can reach trigger points in your life. Points where you recognise that you need serious financial advice. We understand that your finances are specific to you, so at the heart of how we work is a financial … Continue reading My wealth →
New employee benefits advisers join Foster Denovo

Two new advisers have been recruited by Foster Denovo. Martin Hellier and Nick Oram join Foster Denovo, the national firm of advisers, as partners.
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O’Connell , Ryan
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Newsletter – thank you

You are signed up! Thank you for signing up to our newsletter. You will receive the most recent edition of our newsletter by email shortly. We will then send you our newsletter every other month. On occasion, we may send you an email if we think there is news that is relevant to you. We hope … Continue reading Newsletter – thank you →
Bromley office

Providing expert financial advice in Bromley Our team of financial advisers based in Bromley can help you with all areas of financial planning, whether your needs are simple or complex. Our specialist financial advisers will work with you to create a personalised financial plan, which is tailored to your objectives. To contact our Bromley office to see how we … Continue reading Bromley office →
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At-retirement and pension freedom advice
Thank you

Your request has been successful Thank you for requesting an initial meeting at no cost to you. We’ve received your information and will be in touch soon to arrange a suitable time for your meeting. In the meantime, if you have any questions, please contact us by phone on 0330 332 7866* or by email … Continue reading Thank you →
Essex office

Providing specialist financial advice in Essex Our Essex office is located in Ingatestone, which is easily accessible by the A12. Our team of financial advisers will provide you with expert financial advice on all areas of financial planning. Our advisers look to build long-term relationships with our clients aiming to educate and motivate them to … Continue reading Essex office →
Fareham office

Providing expert financial advice in Fareham Conveniently located in the middle of Portsmouth and Southampton, our Fareham office is also easily accessible from the M27 and A27. Our team of financial advisers in Fareham will be able to help with all your financial planning needs, whether your needs are short or long term. They will work with … Continue reading Fareham office →
Newcastle office

Providing financial advice in Newcastle Our Newcastle office is located to the North of Newcastle city centre, and can be easily accessed by the A1 or A19. Our team of specialist financial advisers will be able to provide you with financial advice on all areas of financial planning. Whether your needs are simple or more … Continue reading Newcastle office →
Sheffield office

Providing expert financial advice in Sheffield Our Sheffield office is located on the outskirts of Sheffield. Our team of financial advisers will be able to help you with all areas of financial planning, whether your needs are simple or complicated. To contact our Sheffield office to see how we can help you achieve your financial … Continue reading Sheffield office →
Weybridge (reg. office)

Providing you with expert financial advice in Weybridge Our office are conveniently located close to both Weybridge and Addlestone railway stations. Our team of financial advisers can provide you with advice to help with all areas of your financial planning. To contact our Weybridge office to see how we can help you, please use the … Continue reading Weybridge (reg. office) →
Video: Helping you achieve your financial goals

Roger Brosch, our CEO, explains how we work with you to create a financial plan which will help you to achieve your financial goals.
Video: Why join us as a financial adviser?

Roger, our CEO, and a number of our financial advisers (we call them Partners) talk about what it’s like to work at Foster Denovo. They also explain what makes us different – our culture and our people.
Video: 5 tips for employers on the pension changes

One of our Secondsight Partners, Darren Laverty, explains 5 tips for employers on how they can help their employees to understand the pension changes that were introduced at the beginning of April 2016.
1 year since the launch of the pensions freedoms

“The financial services profession witnessed a real flurry of people keen to take advantage of this new freedoms from the outset; people who had – undoubtedly – been waiting.”
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Award wins – 2012 – 2014
Onyiuke-Eluma, Augusta
Ball, Lee
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Secondsight – Best Corporate Adviser – finalist

Secondsight, Foster Denovo’s employee benefits division, has been announced as one of the finalists in the category, Best Corporate Adviser, at this year’s Money Marketing awards.
Loveridge, Linda
Hunjan, Rupi
Devis, Simon
Dale, Stephen
Cook, Russell
Cole, Neil
Chadwick, Rupert
Carrigan, Ian
Bingham, Mark
Belcher, Simon
Bean, Chris
Barwick, Colin
Gary Beerling and Paul Baldwin

Gary Beerling and Paul Baldwin – Senior Partners As Senior Partners in the multi-award winning firm of financial advisers, Foster Denovo, we run our practice on a shared commitment to provide you with the highest possible standard of service. With over 40 years’ experience between us, we can help you with all aspects of your … Continue reading Gary Beerling and Paul Baldwin →
Gavin Clark

Gavin Clark – Senior Partner I am now in my fourth decade of helping clients achieve their financial objectives and aspirations. My work has taken me to countries all over the world as well as the UK, yet my overriding principal remains the same, to “help clients who take their finances seriously”. Lisa, my Office Manager, … Continue reading Gavin Clark →
Financial advice for your business
Workplace pensions made easy
Guide: Will your top talent lose out on their pension pots?

What you need to know about managing the changes to pension allowances for higher earners This April, certain elements of the Finance Act came in to effect, which may cause serious damage to the pension plans of the nation’s top talent – including some middle income earners too. Fill in the form below to download our … Continue reading Guide: Will your top talent lose out on their pension pots? →
Guide: Don’t lose out on your pension pot

What you need to know about managing the changes to pension allowances if you’re in a mid to higher income bracket This April the new Finance Act came in to effect, which may affect your pension planning if you’re a higher or middle income earner. Fill in the form below to download our guide to … Continue reading Guide: Don’t lose out on your pension pot →
Top tips: How to boost employee engagement

Much has been written about the importance of employee engagement. But, what is it and why does it matter? Engaged employees are fully involved and enthusiastic about their work and company, which can lead to positive, business outcomes. Fill in the form below to download our five top tips on how to boost employee engagement.
Brochure: Helping you through the mortgage maze

Providing you with impartial mortgage advice Whether you are a first time buyer, moving house, purchasing an investment property or remortgaging, finding the right mortgage can seem like a confusing and daunting process. Your mortgage is probably one of the largest financial commitments you’ll make in your lifetime; so, it is essential to research the … Continue reading Brochure: Helping you through the mortgage maze →
Top tips: Employee engagement in a digital world

Why does employee engagement matter? If your employees love their job, it will shine through in their work. They will be committed to delivering a better service and helping to drive your organisation forward. Engaged employees are wholly involved and enthusiastic about their work and your company. When an employee is truly committed to your … Continue reading Top tips: Employee engagement in a digital world →
White paper: Effective employee benefits communication

Recent benefits research highlighted the fact that nearly three quarters of employers (72%) provide an employee benefits package to improve employee engagement. Even with the changing economic landscape of recent years, it seems this premise remains. It is a known fact that the provision of employee benefits in the workplace results in a more engaged, … Continue reading White paper: Effective employee benefits communication →
Grace Agnew

Grace Agnew B.soc.Sc, DipFA MIFS – Associate Partner Clients I help appreciate working with a friendly, approachable and knowledgeable financial adviser who they can trust. As a testament to the service and advice I provide, many of my new clients are referred to me from existing client relationships. I work with my clients to build … Continue reading Grace Agnew →
John Atkins

John Atkins ACII DipPFS – Partner My priority is helping you to achieve your goals in life. In order to do this, you will need to put a financial plan in place. I follow a simple four stage process to help you do this. 1. Discovery: During the initial discovery meeting (which is at no … Continue reading John Atkins →
Peter Burton

Peter Burton – Partner Whether you’re a first time buyer, moving house, purchasing an investment property or re-mortgaging, finding the most suitable mortgage can seem like a confusing and daunting process. Your mortgage is probably one of the largest financial commitments you’ll make in your lifetime; so, it is essential to research, or seek advice, … Continue reading Peter Burton →
Charles Byrom

Charles Byrom – Associate Partner The majority of my clients are based around Kent and South East London. My aim is to give a down to earth approach and cut through the complexities of the financial world. I like to form partnerships with my clients so that with my help they achieve a greater degree … Continue reading Charles Byrom →
Ben Charkin

Ben Charkin – Partner I have over 10 years’ experience in helping people achieve their personal financial ambitions. Typically I work with individuals and families, most of whom don’t have the time to formulate a financial plan to deliver their goals. Instead, they prefer to work with a friendly, approachable and knowledgeable financial adviser who … Continue reading Ben Charkin →
Leigh Cottrell

Leigh Cottrell – Partner In the early stages I will be more interested in you, rather than your financial affairs. I will want to find out what money means to you and what you want out of life, to understand your values and highlight events in your future you will need to plan for financially. … Continue reading Leigh Cottrell →
Anne de Suiza

Anne de Suiza MA L-ès-L DipFA FRSA Anne de Suiza has decided to take a first step to retirement and has given up her practicing certificate. John Hambi, Partner at Foster Denovo, will now be available to you instead of Anne for any financial advice you may need going forward. To find out more about John and … Continue reading Anne de Suiza →
John Hambi

John Hambi – Partner I have over 20 years’ experience in helping people to put in place sound plans designed to deliver future financial aspirations. I am a Partner and financial adviser in the award winning Foster Denovo, winners of the Money Marketing IFA of the Year 2013. Based in Foster Denovo’s London office, I … Continue reading John Hambi →
Dennis Wheway

Dennis Wheway DipFA – Founder Partner I have over 25 years’ experience helping people set and achieve their financial goals. In today’s complicated and changing financial markets, more than ever, I believe people value experience particularly highly. I want to help my clients develop a sense of financial wellbeing. I aim to understand my clients’ … Continue reading Dennis Wheway →
Private Wealth

Delivering financial aspirations to individuals The essence of the Foster Denovo Private Wealth team is to help make it easier for you to manage and protect your wealth. To do this you will need detailed financial planning advice, and we can help to provide you with exactly that. Do you share any of the following … Continue reading Private Wealth →
Wilkinson, David
Wheway, Dennis
Stockdale, David
Robertson, Andrew
Jordache, André
Hambi, John
Cottrell, Leigh
Clark, Gavin
Charkin, Ben
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Burton, Peter
Beerling, Gary
Baldwin, Paul
Atkins, John
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Legal and regulatory information

Legal and regulatory information Regulatory information Foster Denovo Limited is registered in England and Wales Reg No. 05970987. Registered Office: Ruxley House, 2 Hamm Moor Lane, Addlestone, Surrey, KT15 2SA. Foster Denovo Limited is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Register No is 462728. You can check this on the … Continue reading Legal and regulatory information →
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Our privacy policy This privacy policy only covers Foster Denovo’s website. It sets out: what information we may collect from you; who is collecting it; why we are collecting it; how we will use the information collected; who we will share the information with; how long we will keep your information; what effect this will have … Continue reading Privacy and cookies →
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London (Head office)

Providing you with specialist financial advice in London Our London office is located right in the heart of the city, close to Monument and Bank underground stations, as well as a short walk from London Bridge mainline train station. Our specialist financial advisers can work with you to help you achieve your financial goals. We can … Continue reading London (Head office) →
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Financial advice for you
Balancing benefits and financial wellbeing insight

Those who attend Employee Benefits Connect 2016 can gain insight into how employee benefits could potentially harm employees’ financial wellbeing.
Helping employees avoid unexpected tax bills

Many CEOs will be aware of the radical changes to pension schemes that come into force from 6th April 2016.
This April a pension storm is forecast

There have been some radical changes to pensions in recent years and in April 2016 further changes will be introduced by government that could leave high earners with unexpected tax bills of up to £13,500.
Employees in the dark about pension changes

Half of UK employers admit that their employees have a limited understanding of the pension freedoms, or are still confused about what the changes mean to them.
Robo-advice profits ‘too low’ says Roger Brosch

The profits made by robo-advice are ‘too low’ at the moment to justify launching a service, according to national advice firm Foster Denovo.
In the forefront: Roger Brosch

Foster Denovo is a firm that rose out of the ashes of Millfield 10 years ago, but, for its chief executive and founder Roger Brosch, that was all a long time ago.
Pensions and retirement planning
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Why businesses should offer financial education

Research undertaken in 2014 by Secondsight found that 67% of the working population receive no financial education from their employers.
Secondsight’s key to happy clients

Matthew Mitten says the firm’s strategy of demonstrating value has been a major factor in getting to a position of not having lost a single client in the transition to the RDR-compliant world.
High earners: act before 6 April

Radical changes to pension schemes being introduced by the government could leave high earners with unexpected tax bills, warns Secondsight, the employee benefits arm of Foster Denovo.
Millions of savers face pension shock in Budget

Upcoming pension tax changes could reduce millions of people’s retirement savings by tens of thousands of pounds.
Savers face shock of pension changes

Millions of savers are about to face pension tax changes that could slash their retirement savings by tens of thousands of pounds.
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Charles Wootton

Charles Wootton – Senior Partner I have over 25 years’ experience helping people build and protect money for the future, and can help clients with a range of financial planning projects, including: Medium term savings – creating a reservoir of capital to underpin your financial security Retirement – providing for a retirement you can look … Continue reading Charles Wootton →
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Foster Denovo agrees advice deal

Foster Denovo and Optionis Group have entered into a strategic partnership that will see the former provide financial advice to clients and employees across the latter’s three businesses.
Foster Denovo and Optionis enter partnership

Foster Denovo Limited and Optionis Group have entered into a strategic partnership. They will operate under the brand name ‘ClearSky Financial Services’.
Optionis selects FD to provide financial advice

Foster Denovo Limited and Optionis Group have entered into a strategic partnership that will see Foster Denovo provide regulated financial advice to clients and employees across Optionis’ three businesses – Parasol, ClearSky Accounting and its SME business division; ClearSky Business.
Top earners could be hit with unexpected tax

Radical changes to pension schemes being introduced by government from 6th April 2016 could leave high earners with unexpected and unwanted tax bills of up to £13,500 warns Secondsight.
Unintended consequences’ of pension changes

Employers and employees need to be made aware of the full consequences of tapering and lifetime allowance changes, warns Darren Laverty, Partner at Secondsight.
Warnings over the pension savings caps

Employers have been urged to help staff understand the tax implications of the lower annual and lifetime allowances for pensions. The warning, from employee benefits specialist Secondsight, comes ahead of April’s changes under which high earners could face an unexpected tax bill of up to £13,500.
High earners need to act now or risk tax bills

More employees could be hard hit by both the intended and ‘unintended consequences’ of lifetime allowance and tapering changes unless they take action now, warns Darren Laverty, Partner at Secondsight.
Success tastes sweet

Sugar manufacturer Tate & Lyle introduced a salary sacrifice pension last year with the aim of increasing contributions and educating staff about saving for retirement.
Foster Denovo shortlisted at the FSTech awards

We are pleased to announce that Foster Denovo has been shortlisted at the FSTech awards, in the category of the Editor’s choice award.
Tate & Lyle Sugars’ salary sacrifice pensions

Tate & Lyle Sugars’ employees are encouraged to make dual savings when contributing to their pension – via a salary sacrifice scheme.
Are employers ready for re-enrolment?

As larger employers are assessing and re-enrolling employees for the first time, Ian Bird looks at what employers should be doing to maximise this opportunity.
FD wins the 2015 Finance Awards

Foster Denovo has been recognised at the 2015 Finance awards in two categories.
Corporate Adviser Awards

We are pleased to announce that our employee benefits division, Secondsight, and our benefits portal, Mybenefitsatwork, have been recognised at this year’s Corporate Adviser Awards.
Employers’ flexible benefits strategy

What is driving employers’ flexible benefits strategies? Flexible benefits remain high on the agenda to retain competitiveness.
Be a financial coach, not a product seller

Over the last five years, our industry has changed – almost beyond recognition. No longer are advisers focusing on selecting funds and products, and selling them to their clients.
FD shortlisted at Professional Adviser Awards

We are delighted to announce that we have been shortlisted for Adviser Firm of the Year (London) and Best Client Engagement Award for Mybenefitsatwork.
Top five tips to maximise employee engagement

Mybenefitsatwork, the new online service from the award-winning national firm of financial advisers, Foster Denovo Limited, has launched an employee engagement ebook.
FD Private Wealth wins Estate Planner of the Year

Foster Denovo Private Wealth has won the Estate Planner of the Year 2015 Award at the Solidus Conference held on 3rd November.
FD Highly Commended for LAW Week Award

We are delighted to announce that Foster Denovo was highly commended in the Learning At Work Week Best Event Award for Promoting a Learning Culture in the SME category.
Diary of an adviser: David Reekie

One of Foster Denovo’s financial advisers, David Reekie, describes a week in his life.
More effective benefits communication needed

Over 95% of employers believe they are responsible for communicating pensions changes to staff. However, communications gaps remain, says a new study.
Research: benefits need better communication

Research conducted by Mybenefitsatwork has uncovered that the vast majority of employers (95%) believe the responsibility lies with them to keep their staff informed about changes to pensions legislation
Foster Denovo launches benefits platform

The online benefits technology market for SMEs is being shaken up as one consultant launches an online platform and a second revamps its charging structure.
Employers and workplace benefits communication

Research conducted by Mybenefitsatwork has uncovered that the vast majority of employers (95%) believe the responsibility lies with them to keep their staff informed about changes to pensions legislation.
95% feel duty to inform staff of pension changes

Almost all (95%) of employer respondents believe it is their responsibility to inform their staff about any changes to pensions legislation.
Bankhall rolls out online staff benefits service

Bankhall has agreed an exclusive partnership to promote Foster Denovo’s new online service Mybenefitsatwork to its 1,600 member firms.
Charities urged to improve benefits communication

Charity sector employers feel responsible for keeping staff informed about changing pension rules, according to new research.
Charities – the need for benefits communication

Research (1) conducted by Mybenefitsatwork has uncovered that the vast majority of third sector employers (95%) believe the responsibility lies with them to keep their staff informed about changes to pensions legislation.
The need for effective benefits communication

Employers and staff recognise the need for effective benefits communication in the workplace. Mybenefitsatwork research highlights a shortfall in the communication of benefits.
Foster Denovo launches Mybenefitsatwork

Foster Denovo has launched a new online service – Mybenefitsatwork.
Foster Denovo completes Partner buyout

Foster Denovo Limited, the national firm of financial advisers, has completed its first Partner buyout.
Foster Denovo’s Sally takes world title for GB!

Sally Read-Cayton was undertaking flexible working with her employer Foster Denovo to enable her to represent Britain in the IAAF world championships in Beijing, where she won her 400m Masters race!
Employing and supporting elite athletes

This Saturday, Sally Read-Cayton won the 400m at the World Championships. She recorded a time of 60.05 – her fastest time for five years.
Foster Denovo’s very own World Champion!

On Saturday 29th August, one of our advisers, Sally Read-Cayton competed in the women’s 400m Masters event at the IAAF World Championships in Beijing and won the race!
COVER Excellence Awards – Secondsight shortlisted

We are delighted to announce that Secondsight has been shortlisted at this year’s COVER Excellence Awards in the category Employee Benefits Intermediary of the Year.
Flexible Working Opportunity for IAAF Athlete

Sally Read-Cayton is a remarkable lady. At the age of 50, she has three children, lives in Reigate in Surrey and works as a full-time job working as a financial adviser with Foster Denovo.
Financial education: traversing the advice gap

Finding financial advice is harder than ever. Darren Laverty outlines how employers can help to bridge the gap.
Best foot forward for FD’s Read-Cayton

Foster Denovo adviser, Sally Read-Cayton, is to compete for Britain in the 400m at the World Championships in Beijing.
Oracle announced finalists- Pensions Insight award

Our client, Oracle, has been named as one of the finalists at the Pensions Insight DC awards for their workplace financial education programme.
Auto-enrolment: 500,000 extra businesses to comply

Here’s how to make sure you’re compliant if you’re now in the cross-hairs of the Pension Regulator.
Auto-enrolment: are you ready for rollout?

As nearly half a million small businesses are going to have to set up a workplace auto-enrolment pension over the next two years, accountancy firms will be at the frontline when it comes to advising clients.
Mortgages as an employee benefit

As employers compete to offer innovative employee benefits packages, Darren Laverty comments on employers offering access to private banking services, including mortgage information.
Pic n mix communication tool

Foster Denovo has launched a pic n mix communication tool Mybenefitsatwork. An interactive website that enables employers to tell employees about their benefits.
FD Partner competing in IAAF championships

Sally Read-Cayton will be taking a long haul flight to Beijing as she prepares to fly the flag for the UK at the IAAF World Championships
FD adviser to compete in IAAF championships

Foster Denovo adviser, Sally Read-Cayton, is going to compete in Beijing at the IAAF World Championships as a Masters athlete, the only Brit to participate in the event.
Oracle Revamps Financial Education Programme

The technology firm opted to revamp its financial education programme and introduce pensions advice to counteract the challenges surrounding the ageing workforce.
Tips for SMEs on auto-enrolment

Business owners rarely have the capacity to read journals or attend events, so here are some hints and tips for SMEs on complying with auto-enrolment.
Cost of auto-enrolment may prevent growth

A survey of employers by Enrolsme has indicated that the cost of pension auto-enrolment will prevent growth in at least a fifth of small firms.
Foster Denovo shortlisted at Charity Times Awards

Foster Denovo is a finalist at this year’s Charity Times Awards in the category of Consultancy of the Year.
FD appoints new Head of Strategic Partnerships

The national firm of financial advisers has appointed Nick Goddard into the new role of Head of Strategic Partnerships as it looks towards further growth.
Benefits in focus – critical illness

Mark Bingham discusses the importance of looking at all aspects of group risk and how savings in one area could fund another benefit, such as critical illness cover.
Foster Denovo Group increases revenue in 2014

Foster Denovo Group plc today announces its audited financial results for 2014. Revenue in the year increased to £26.40m from £24.97m (5.69%).
Secondsight make the finals of WS&B awards

We are delighted to learn that we are finalists in the category Employee Benefit Consultant of the Year.
The financial education role in staff engagement

A financial education programme can be key to engaging employees.
Tips for engaging staff with financial education

A financial education programme can be key to engaging employees.
SMEs should take TPR’s actions seriously

Businesses of ever-decreasing sizes are getting formal notification of their auto-enrolment duties: but are they listening to the message?
Foster Denovo wins Best Auto-enrolment Solution

Delighted to announce that Foster Denovo won Best Auto-enrolment Solution at the Money Marketing Awards 2015.
Government will be challenged if it axes sal sac

Steve Webb, speaking at our HR Masterclass event on 10th June, commented that he thought salary sacrifice could go in the July Budget.
Employees still puzzled by pensions

Better education from employers needed, and further intervention from government likely.
Employers benefit by offering financial education

Speaking at our Annual HR Masterclass on Wednesday, Steve Webb spoke about workplace financial education and how employers offering this may benefit from improved retention.
Webb: Prepare for salary sacrifice changes

Speaking at our HR Masterclass, Steve Webb said that he believed the Treasury was already busy making changes to the salary sacrifice rules.
Webb’s salary sacrifice warning

The Treasury could use the July Budget to abolish salary sacrifice, a move that would save it £15bn a year, former pensions minister has told an audience of HR professionals.
Webb – salary sacrifice could be cut in July Budget

Speaking at our Annual HR Masterclass event today, Steve Webb discussed all things pensions and the idea that Salary Sacrifice could be cut in the July Budget.
FD awarded Investors in People Bronze standard

Foster Denovo Limited, the national firm of financial advisers, has recently attained Investors in People (IIP) Bronze standard – following a first round application for the framework.
FD finalists – Financial Experience Awards

Foster Denovo has made the finals of this years UK Financial Services Experience Awards.
Financial education plays key role in engagement

A financial education programme should give employees the knowledge, skills and tools to make their own financial decisions.
Building reserves

Employers must engage employees with financial tools to ensure they are well prepared for the future.
Auto-enrolment: growing knowledge

Communicating and engaging with staff about auto-enrolment has pushed financial education to the fore.
Dr Ros Altmann Succeeds Steve Webb

Darren Laverty comments on the appointment of Ros Altmann as the new pensions minister.
Foster Denovo opens Essex office

Foster Denovo has opened an office in Essex as part of continuing plans for growth.
National advice firm open Essex office

National advice firm Foster Denovo has hired a St James’s Place (SJP) adviser to lead its new Essex office.
More adviser-provider referral partnerships needed

The opening up of the retirement income market will drive the emergence of more adviser-provider partnerships, according to Foster Denovo.
Altmann pledges to continue pension reforms

New Pensions Minister Ros Altmann has promised to take forward work bringing in the new state pension, help millions more to be enrolled into good quality workplace pension schemes.
Foster Denovo opens office in Essex

Foster Denovo Limited, the national firm of financial advisers, has opened a new office in the Essex region.
Auto-enrolment and care homes

Matthew Mitten, director of Enrolsme, talks share his thoughts on what care home owners can expect in the months to come.
Auto-enrolment to hit smallest firms hard

Small businesses are set to feel the effect of auto-enrolment, which could even see some going out of business, Matthew Mitten has warned.
FD hiring for Friends Life referrals

National advice firm Foster Denovo is looking to bulk up its paraplanning team to manage the increased demand generated by its referral deal with Friends Life.
UK pension reforms: potential impacts

Darren Laverty shares his thoughts on some of the potential implications of the newly introduced pension reforms.
SMEs say auto-enrolment will damage growth

Automatic enrolment (AE) is likely to prove challenging for the UK’s smallest businesses.
FD seeking advice partnerships

After signing a pension advice referral deal with Friends Life last week, Foster Denovo’s chief executive has confirmed it is actively seeking further partnerships in the near future.
Guide: Pension freedom and choice

What does pension freedom and choice actually mean for you and your pension? Following the pension freedom changes that came into force on 6th April 2015, if you are aged 55 years or over, you will no longer need to buy an annuity to access your retirement cash. Download our guide below to find out … Continue reading Guide: Pension freedom and choice →
Oracle shortlisted at VIB awards

Our client, Oracle, has been shortlisted for a second time; recognising their excellent work surrounding their workplace financial education programme.
Friends Life partners with FD on pensions advice

Friends Life and Foster Denovo have partnered to provide employees with advice relating to the pension freedoms which are due to come into effect on 6 April.
Friends Life signs advice deal with FD

Friends Life will refer its customers in need of retirement advice to Foster Denovo in a bid to take advantage of the upcoming pension freedoms.
Friends Life refers clients to Foster Denovo

Friends Life will refer new clients who seek retirement advice to national advice firm Foster Denovo under a new deal agreed between the two firms.
Small business auto-enrolment service launches

Enrolsme, which was set up by financial advisers Foster Denovo at the end of last year, says it can help smaller businesses which have left it too late, and can even help companies comply with AE in less than an hour.
Friends Life in referral deal with Foster Denovo

Foster Denovo will be providing financial advice to Friends Life customers about their retirement from next Monday’s pension freedom day.
Friends Life agrees advice tie-up with FD

Friends Life and Foster Denovo have agreed a tie-up which will see customers referred to the advice firm if they request or require advice.
Pension freedom advice for Friends Life through FD

Friends Life and Foster Denovo Limited have today announced that Foster Denovo will provide financial advice to Friends Life customers about their retirement choices under the new pension freedoms rules, being introduced on 6th April.
Is Pension Wise on track to succeed?

The organisations behind the guidance guarantee have plenty of obstacles ahead. But for those unable or unwilling to pay for advice, its success is vital.
SMEs worried about auto-enrolment

Company owners suspect future pay rises may be affected by putting in place a workplace pension.
Accountants face SME auto-enrolment avalanche

Small businesses are next to be affected by the automatic enrolment legislation.
Auto-enrolment set to stunt small business growth

Enrolsme research highlights the concerns small businesses have when it comes to complying with the automatic enrolment legislation.
Oracle shortlisted at Employee Benefits Awards

Our client, Oracle, has made the shortlist at this year’s Employee Benefits Awards in the category; Best financial education strategy: Most effective use of financial education and workplace savings.
Pension freedom: what to do now

On 6th April pension freedom comes into force and employers have a big role to play in helping people understand the new freedoms.
Secondsight’s guide to education

Containing top tips for employers looking to implement a workplace financial education programme; the guide will provide support for many.
Auto-enrolment: Where next for SMEs?

Matthew Mitten, Director of Enrolsme explains that as 2015 progresses, increasing numbers of small and medium sized businesses (SMEs) are getting closer to their automatic enrolment staging date.
The retirement revolution

On 6th April 2015, people aged 55 and over will be given greater freedom over how they spend and invest their retirement pots.
Foster Denovo shortlisted at MM Awards 2015

We are delighted to announce that we have been shortlisted for Best Auto-Enrolment Solution and the Best Professional Development Award at the Money Marketing Awards 2015.
Pensions freedom

The incoming freedoms are potentially as big a change to pensions as auto-enrolment.
Delaying auto-enrolment could be costly

Some 22,000 charities are due to stage and meet their automatic enrolment obligations from 2015 and onwards. Ian Bird, Business Development Director at ACEVO’s Corporate Partner Foster Denovo Ltd, warns that delays could be costly.
Crunch time looming for small businesses

Automatic enrolment into a workplace pension is gathering momentum, as thousands of small businesses now work towards their compliance deadlines, says Matthew Mitten of Enrolsme.
FD appoints 3 new Partners

Foster Denovo has appointed three new Partners (financial advisers) into the business, as the company continues to recruit for its future development.
Communicating AE to SMEs needs improvement

In any small business, time is precious. Owner-managers rarely have the capacity to read journals or attend events – or do anything that distracts them.
More employers are providing financial education

As modern finances become more complicated, employers are increasingly finding themselves providing financial education for their workforce.
Pensions – boosting workplace savings

Boosting workplace saving ought to be a win win scenario for businesses. People Management talks to our Partner, Hugh Jory about financial education and the results from our survey.
Financial education boosts staff engagement

Darren Laverty will be discuss how financial education can boost employee engagement at EB Connect on the 4th March.
Foster Denovo in push to boost adviser revenue

Foster Denovo has launched the final stage of its adviser development programme, designed to help advisers improve their client service and increase their revenue.
Advisers must embrace service-orientated working

Foster Denovo has launched a course to help its ‘Private Client Partner’ advisers double their revenue over three years.
FD launches Quantum Leap Programme

Foster Denovo has launched its Quantum Leap Programme, helping its Private Client Partners to provide the best levels of client service, and to increase their revenue.
It’s time to ‘revolutionise retirement’

Business and policy leaders need to “revolutionise retirement” in the UK to encourage older people to work longer, the government’s older workers champion Ros Altmann has said.
Secondsight launches financial education guide

Since the launch of its workplace financial education programme in the last quarter of 2014, employee benefits adviser, Secondsight has witnessed real employer demand for the service.
Financial education rises up the agenda

The New Year has seen more companies keen to openly talk about implementing a financial education strategy.
Auto-enrolment and the importance of technology

Automatic enrolment is gathering momentum, as thousands of small businesses now work towards their compliance deadlines.
Financial education in numbers

Employee Benefits magazine features a round-up of some figures which relate to financial education. Some of the statistics are from research conducted by Secondsight.
Charities to spend millions on auto-enrolment

Foster Denovo urges charities to consider the time and money they will spend complying with the legislation.
FD buys specialist charity business in growth push

National advice firm Foster Denovo has bought a specialist charity advice operation as part of its 2015 expansion plans.
Ian Bird joins FD executive team

Foster Denovo Partner Ian Bird has moved into the role of director of business development for the employee benefits and charity solutions businesses.
The time has come to communicate auto-enrolment…

Only one in 100 independent financial advisers believe small businesses are well prepared for automatic enrolment.
Financial education: keeping ahead

The March Budget promised widespread reforms to pensions, including a guarantee of financial guidance.
Support needed for uninformed staff

This year’s pension reforms will present employees with new choices as to what to do with their savings.
Financial education strategies help retain staff

Successful well-communicated financial education strategies created and run by knowledgeable benefits professionals can help to retain staff.
Automatic enrolment – what is in store for 2015?

Enrolsme’s Matthew Mitten offers his predictions for 2015 when it comes to small businesses and automatic enrolment.
Election 2015: What can we expect

Darren Laverty discusses freedom of choice and the importance of financial education as Reward takes a look at the impact May’s General Election might have on employee benefits.
Many employers want to help their staff

Darren Laverty discusses why when it comes to financial education, many employers feel morally obliged to offer their employees something.
Neil Wortham shortlisted – Paraplanner of the Year

Neil Wortham, Head of Paraplanning at Foster Denovo has been shortlisted for Paraplanner of the Year 2015 at the Professional Adviser Awards.
Guide: How to run a successful workplace financial education programme

Financial education is finally being taught in secondary schools in the UK. This is great news for our young people. But it highlights the fact that your current workforce has missed out. There’s very little quality help available for HR professionals who are considering a financial education programme for employees. Through trial and error, we’ve … Continue reading Guide: How to run a successful workplace financial education programme →
Engaged employees better for business

According to the survey findings, 52 per cent of employers do not provide any financial education to their employees.
Foster Denovo charity work earns award

Foster Denovo has been given an award for helping its clients with cost-effective auto-enrolment and supporting charity workers in their retirement choices.
White paper: Is there a need for financial education in the workplace?

Secondsight financial education white paper – October 2014 52% of companies do not provide any financial education to their employees. 73% of employees felt more positive towards their employer when they received financial education. If you’d like to find out more about workplace financial education and how you could benefit, please complete the form below … Continue reading White paper: Is there a need for financial education in the workplace? →
No financial guidance for half employees

Foster Denovo’s employee benefits division, Secondsight, research highlights employee demand for financial education is not being met.
Half of workforce want employers to help

Research by Secondsight, Foster Denovo’s employee benefits division, highlights employee demand for financial education is not being met.
Financial education is ‘double edged sword’

Foster Denovo’s Director of Sales and Marketing Darren Laverty explains that the more employees are educated about financial issues, the more unanswered questions they have as a result.
Employees demand financial education

New research, conducted by employee benefits adviser Secondsight on behalf of financial advisers Foster Denovo, suggests that there is an urgent need for greater money management in the UK, as the majority of employees have no plan to provide for their future.
Half of firms do not offer financial education

More than half of companies do not provide any financial education to their employees, despite experiencing demand from staff to do so.
Companies not providing financial education

Over half (52%) of companies do not provide any financial education to their employees, according to a new HR survey from employee benefits adviser Secondsight, part of financial advisers, Foster Denovo.
UK companies not providing financial education

More than half (52%) of companies do not provide any financial education to their employees despite half of employees requesting access to it, according to a new survey.
Half of firms do not offer financial education

More than half of companies do not provide any financial education to their employees, despite experiencing demand from staff to do so.
52% do not provide financial education

More than half (52%) of employers do not provide any financial education to employees, according to research by, Foster Denovo’s employee benefits division, Secondsight.
52% do not provide financial education

More than half (52%) of employers do not provide any financial education to employees, according to research by, Foster Denovo’s employee benefits division, Secondsight.
FD Group releases 2013 financial results

Foster Denovo Group plc, the parent company of national financial advisory business Foster Denovo Limited and fund management company Sequel Investments Limited, today announces its audited financial results for 2013.
Foster Denovo launches adviser academy

Foster Denovo has launched an academy to help advisers develop stronger and more meaningful relationships, Sales and Marketing Director, Darren Laverty has announced.
Foster Denovo launches Advanced Adviser Academy

In a bid to continue its expansion, Foster Denovo has launched the Advanced Adviser Academy.
Foster Denovo launches recruitment drive

A recruitment programme launched by Foster Denovo has seen one graduate, Caroline Monk, join Secondsight, the company’s employee benefits arm.
FD seeks ‘young blood’

Foster Denovo, the national firm of financial advisers, is on a recruitment drive – again. This time, the company is looking to recruit more youngsters into the industry.
FD named finalists at Charity Times Awards

We are delighted to announce that Foster Denovo are shortlisted for ‘consultancy of the year’ at the Charity Times Awards 2014.
FD enhances its general insurance proposition

Foster Denovo has re-launched its Private Client General Insurance service, ‘Foster Denovo General Insurance Services (FDGIS)’ in partnership with Lucas Fettes & Partners.
FD named finalists at Retirement Planner Awards

We are delighted to announce that Foster Denovo are shortlisted at the Retirement Planner Awards 2014.
Adapt your Sales Skills

National firm of financial advisers, Foster Denovo sees sales skills as more relevant now than they have ever been.
The highs and lows of auto-enrolment

Matthew Mitten, Partner at Foster Denovo’s employee benefits division Secondsight, discusses the opportunities and challenges of auto-enrolment for advisers and their corporate clients.
Foster Denovo offers Sales Training Workshops

In a bid to support advisers across the sector, Foster Denovo has developed a new sales training programme.
Winner of Best Professional Development Award

Foster Denovo won the Best Professional Development Award for the second year running and came runner up for Adviser Firm of the Year at the Money Marketing Awards 2014.
HR Challenges Research Results

Improving employee engagement is the biggest HR challenge for businesses in 2014. This is just one of the findings from research conducted by our employee benefits division Secondsight with Clarity Surveys in to the issues facing HR this year.
Charities and the auto-enrolment challenge

Ian Bird offers an insight into some of the issues that charities can face as they prepare to meet their auto-enrolment duties and practical ways to prepare.
Martindale Pharma shortlisted at EB Awards 2014

Secondsight, our employee benefits division, are delighted to learn that their client Martindale Pharma has been shortlisted as a finalist at this year’s Employee Benefits Awards in the category best financial education strategy.
Victim Support shortlisted at EB Awards

Foster Denovo submitted the entry on behalf of our charity client, Victim Support, in the category of ‘Best pensions auto-enrolment strategy – small employer (fewer than 5,000 staff)’.
Hard technology can never match soft skills

Darren Laverty, Sales and Marketing Director at Foster Denovo, explains that technology is driving information to people at ever-increasing rates of speed and ease through apps and 4G data downloads.
What do paraplanners do? Serve & protect

Professional Adviser’s newly-crowned Paraplanner of the Year, Neil Wortham at Foster Denovo, explains that the role of the paraplanner is to serve and protect.
It’s vital to put the client first

Roger Brosch explains that helping clients to fully understand their financial needs and goals is what drives Foster Denovo.
Links of London sees 0.8% auto-enrolment opt out

Links of London, a client of Foster Denovo’s employee benefits division Secondsight.
Neil Wortham wins Paraplanner of the Year 2014

Neil Wortham, Paraplanning Manager at Foster Denovo wins the coveted title of Paraplanner of the Year 2014 at the Professional Adviser Awards last night in London.
EB sector will face huge challenges during 2014

According to Matthew Mitten, a partner at Secondsight, the employee benefits sector will face significant challenges during 2014, as the majority of UK businesses work towards auto-enrolment.
Martindale Pharma boost pension take-up

Martindale Pharma has increased take-up of its pension scheme by 10% after reviewing and revamping it’s pension and benefits package.
FD appoints new Compliance & Risk Director

Foster Denovo announces the appointment of Jane McTigue as Compliance & Risk Director.
Roger Brosch – 2014 Predictions

According to Roger Brosch, CEO of Foster Denovo Limited, 2014 will see the continuing shift of power and financial strength from providers and investment houses to large, well-resourced and managed advisory firms.
Foster Denovo on Corporate Adviser Award Shortlist

Foster Denovo has today learnt that we have been shortlisted in the category of Pension Adviser of the Year at the Corporate Adviser Awards 2014.
Foster Denovo proud to support the CFG AE Guide

Foster Denovo is pleased to have worked with the Charity Finance Group and other corporate partners to produce a definitive auto-enrolment guide for charities, which was launched today at a special event in London.
Salary sacrifice helps Trader Media with AE costs

Jill Duggan, Head of HR Services and Reward at Trader Media talks to reward magazine about the introduction of salary sacrifice to help manage the costs of automatic enrolment.
Foster Denovo Highly Commended at Health Awards

Foster Denovo Partner Brenda Santimano was last night recognised at the Health Insurance Awards 2013 and was highly commended in the category Best Protection Intermediary.
Financial advisers doubt future growth

8% of financial advisers believe they will stop trading in the next three years.
Foster Denovo invests in its employees

Foster Denovo worked with Acua to implement a 16 month Diploma programme.
A third of SMEs will “refuse to comply” with AE

It’s one year today since pensions auto-enrolment rules began to come into force and we’re fast approaching the point at which small and medium firms will be compelled to comply.
Third of small firms refuse to comply with AE

Almost a third (32pc) of small and medium sized businesses (SMEs) have admitted that they plan to ignore the forthcoming auto enrolment legislation.
RDR spells end for 8% of advisers

Eight per cent of financial advisers expect to cease trading in the next three years as a result of the RDR, a poll by Foster Denovo has revealed.
SMEs refusing to comply with auto-enrolment

32% of small and medium sized businesses (SMEs) have no intention of complying with the forthcoming auto-enrolment legislation on pensions.
Secondsight releases auto-enrolment research

Secondsight publishes its key findings on automatic enrolment following a survey conducted by Clarity Surveys on behalf of parent company Foster Denovo.
32% do not comply with auto-enrolment

Almost a third (32%) of respondents have no intention of complying with auto-enrolment legislation. This is just one of the findings from the Secondsight auto-enrolment survey report.
Which firms are winning the RDR battle?

A report commissioned by advice firm, Foster Denovo, found that 8% of those advisers still trading expect to cease over the next three years.
1/2 of adviser businesses claim they won’t grow

Exclusive Research, commissioned by Foster Denovo, highlights that 8% expect to cease trading, and a further 45% will see their business either contract or remain flat, following the Retail Distribution Review.
Importance of Strong Referral Relationship

In a highly competitive market, strong referral relationships are more important than ever and can help attract clients, says Charles Wootton.
Advice sector will ‘open up’ in 2014

Foster Denovo says it is currently finding few suitable acquisition targets, in part because valuations are high.
FD appoints head of business development

The award winning firm of financial advisers, Foster Denovo has appointed Dave Elliott to the role of head of business development for the South.
Secondsight Shortlisted at CIPD Awards

Secondsight has today been announced as a finalists in the category Consultant of the Year at the 2013 CIPD People Management Awards.
Foster Denovo Group Financial Results 2012

Foster Denovo Group plc reports its financial results for 2012 and sees a 28% increase in profit after taxation on 2011 figures.
Profits growth point to spending spree

Roger Brosch, Chief Executive Officer, said Foster Denovo could return to the acquisition trail again after reporting stronger profits and turnover for last year.
Roger Brosch on the future of financial advice

Foster Denovo has been growing in spite of the constraints imposed on the industry by the Retail Distribution Review (RDR).
Scott Soper discusses structured products

Scott Soper, Head of Compliance at Foster Denovo, discusses structured products with New Model Adviser.
Foster Denovo posts strong profits for 2012

Foster Denovo Limited has posted its results financial results for 2012, showing strong profits over the period, further contributing to its growing balance sheet.
Matthew Mitten responds to Reward’s AE survey

Matthew Mitten, Partner at Secondsight has responded to some of the findings from a survey conducted by Reward on auto-enrolment.
FD’s specialist approach to AE planning

National firm of financial advisers, Foster Denovo, is urging employers to plan around the key stages of auto-enrolment, and to prepare for their responsibilities early
All advisers should get their life coach badge

Roger Brosch, chief executive of Foster Denovo, says advisers must change their mindset. He believes that advisers will be required to adopt a whole new skillset – those who blend life coaching with financial solutions and strategy will be the ones who succeed. Regulatory pressures are making the industry more challenging and more expensive to … Continue reading All advisers should get their life coach badge →
Employee Benefits Awards – Oracle shortlisted

Our client Oracle has been shortlisted as a finalist in the category Best Benefits Communication – large employer at this year’s Employee Benefits Awards. This is a great achievement and recognises the excellent work Secondsight were able to assist Oracle with on recommunicating their benefits package to the entire workforce via a series of employee benefits fairs. The winner will be anounced … Continue reading Employee Benefits Awards – Oracle shortlisted →
Secondsight publishes series of Whitepapers

Following the results of our survey, produced in association with Reward Magazine earlier this year, Secondsight has published a series of whitepapers on the issues you said you were facing in 2013; auto-enrolment, change management and budgetary constraints.
Money Marketing Profile: Roger Brosch

Money Marketing have published a profile on our CEO, Roger Brosch. The article highlights Roger’s career, including when he launched Foster Denovo alongside Keith Carby in 2005. Foster Denovo’s Chief Executive Roger Brosch says an adviser business is only as good as its staff and advisers should be looking at a range of distribution strategies. … Continue reading Money Marketing Profile: Roger Brosch →
Foster Denovo wins IFA of the Year

Foster Denovo won the Best Recruitment & Development Award and IFA of the Year and came runner up for Best RDR Business Transition at the Money Marketing Awards 2013.
Secondsight Survey Results – HR Challenges in 2013

In association with Reward magazine, Secondsight conducted a survey asking HR Professionals what they considered to be the challenges facing them in 2013. Unsurprisingly, the biggest challenge affecting benefits strategy will be implementing / planning for auto-enrolment. Further results from the survey are published in the March / April edition of Reward. Click through to page … Continue reading Secondsight Survey Results – HR Challenges in 2013 →
Henderson launches retirement advice

Henderson Global Investors has introduced employer-funded one-to-one financial advice sessions, targeted at employees who are around 15 years away from retirement.
The complex world of charity pensions

Charity sector pensions are in the midst of a dramatic overhaul as regulatory reform takes effect and charities battle to meet their changing retirement obligations.
Stretching your resources – the threat of cap ad

Tougher financial resource requirements present a major threat to adviser firms, warns Roger Brosch, Chief Executive of Foster Denovo.
FD promotes Helen Lovett to the Board

Foster Denovo has promoted the business’ chief operating officer, Helen Lovett, to the Board.
RDR: Survival of the fittest

Roger Brosch, CEO of Foster Denovo, predicts that the advisory industry will continue to evolve and we will see more significant change. He believes that RDR has really positive implications in the medium term but with it comes considerable pressure to change and adapt. To read the full article on Financial Adviser, please click here.
The value of referral relationships

Charles Wootton, Partner at Foster Denovo, shares a professional connection success story and offers his tips on how to achieve the same. To read the full article on IFA Online, please click here.
Foster Denovo – RDR Charging Structure

Roger Brosch, Chief Executive of Foster Denovo, explains the breakdown of its charging structure for RDR. To read the full article in New Model Adviser, please click here.
Foster Denovo advisers 100% qualified for RDR

Foster Denovo has announced that all its 80 investment advisers have reached level four status. To read the full article in New Model Adviser, please click here.
Total reward for mid-sized companies

Total reward was once the preserve of very large businesses. Has technology and industry know-how now put it within reach of mid-sized companies? Matthew Mitten, Partner at Secondsight shares his views on total reward strategy in the latest edition of Reward. Click through to page 22 of the Jan/Feb edition of Reward to read the article in … Continue reading Total reward for mid-sized companies →
Secondsight works with Ince & Co LLP on a new GPP

Secondsight is delighted to announce news of a new GPP implementation and communications project with its client Ince & Co LLP. The law firm has seen membership of the pension scheme increase to 74% and more than half of their employees are now on target to achieve their retirement goals. To find out how Ince & Co LLP were … Continue reading Secondsight works with Ince & Co LLP on a new GPP →
Huge changes for advisory sector in 2013

Roger Brosch, CEO of Foster Denovo, predicts significant changes for the advisory sector in 2013. He also believes that successful firms will be those that offer clients a proposition focused on value and an outstanding client experience. To read the full article on Private Client Adviser, please click here.
Foster Denovo in talks with 100 advisers

Foster Denovo is in talks to recruit 100 advisers. To read the full article on IFA Online click here.
Money Marketing Awards – Foster Denovo shortlisted

We are delighted to announce that we have been announced as a finalist for 3 awards at the prestigious Money Marketing Awards in 2013. We have been shortlisted in 3 award categories at the prestigious Money Marketing Awards 2013 – IFA of the Year, Best Recruitment and Development & Best RDR Transition award. To see … Continue reading Money Marketing Awards – Foster Denovo shortlisted →
Steve Webb at the Secondsight AE Masterclass

Delivering the keynote speech at the Secondsight Auto-Enrolment Masterclass on the 16th October, Steve Webb MP, Minister of State for Pensions touched on plans to make pension pots more transferable.
Secondsight communicates pension at Wasabi

Restaurant chain Wasabi has launched a pension and benefits package with the help of employee benefit advisers Secondsight.
Don’t leave it too late plan for auto-enrolment

The press coverage is hotting up and we are seeing adverts on TV and in newspapers. But do employees really know what it is yet and are employers ready? Employers must plan ahead and have a strategy because they will have to make decisions around a complex subject. Read the full opinion piece by our … Continue reading Don’t leave it too late plan for auto-enrolment →
Foster Denovo launches major recruitment drive

We are launching a major recruitment drive to grow our existing, successful partnership model.
Foster Denovo launches Quantum Process

We have launched our four stage Quantum Financial Planning Service in response to the Retail Distribution Review (RDR), which will provide an improved service and a transparent pricing structure.
Pensions reform and auto-enrolment

With the pensions reform and auto-enrolment rapidly approaching, find out what one of our Partners, Matthew Mitten’s thoughts are on the subject and his views on the debate of who should be paying for retirement. You can read the full article here.
Wasabi’s UK staff receive new benefits package

Secondsight is delighted to announce that its client, Wasabi has for the first time introduced a pension and benefits package to its UK employees. The company has already seen 71% of employees enrol in to the pension scheme and is meeting its responsibilities around pensions reform ahead of its staging date. To find out how … Continue reading Wasabi’s UK staff receive new benefits package →
Defined contribution pension schemes

One of our Partners, Matthew Mitten comments on good communication of defined contribution pension schemes . Read the full article here.
Foster Denovo appoints new head of marketing

Foster Denovo announces the appointment of Joanna Butler as head of marketing. Joanna reports directly to recently appointed Darren Laverty, sales and marketing director.
Risk busters: 10 top compliance consultants

With the RDR less than six months away and the FSA becoming increasing proactive, it is more important than ever for advisers to stay on top of compliance.
PR – Reward Magazine

Peter Crush attended the Secondsight HR Masterclass on the 23rd May and spoke with Vance Kearney, Sandra Parsons and Mark Bingham.
PR – Reward Magazine

Peter Crush attended the Secondsight HR Masterclass on the 23rd May and spoke to our client Vance Kearney, Vice President of HR (EMEA), Oracle Corporation. Read Vance Kearney’s opinion on the promise you should give employees. You’ll find the article in full on pages 18 & 19.
Foster Denovo agrees deal with Barker Poland

Foster Denovo agrees deal with Barker Poland to transfer its corporate division to the firm
Secondsight’s Annual HR Masterclass success

The Royal Automobile Club was the prestigious venue that played host to over 120 HR Professionals at the Secondsight Annual HR Masterclass on Wednesday 23rd May.
Foster Denovo appoints COO

Foster Denovo has appointed Helen Lovett to the role of chief operating officer. To read more and see coverage in the press, please use the links below: IFA Online and New Model Adviser
Foster Denovo posts £1m profit

Foster Denovo has posted a profit before tax of £1.02 million for 2011, up from £583,000 in 2010.
PR – New Model Adviser

Foster Denovo’s compliance director, Scott Soper, comments that client agreements should be documented accurately and clearly.
New Sales & Marketing Director announced

Darren Laverty is announced as Director of Sales & Marketing for the Foster Denovo Group.
Our client Oracle recognised for pensions work

Secondsight’s client Oracle, has been recognised for the great work undertaken at closing down 30+ pensions, putting in place a GPP, creating and managing fund profiles, communicating face-to-face and providing guided enrolment to the company’s 4,700 employees and of course, delivering outstanding results.
EB Connect

Darren Laverty and Mark Bingham, Partners at Secondsight attended EB Connect and held a case study session with Sally Kennedy, UK HR manager, Yazaki Europe.
ICE winners at Pay & Benefits Awards

Our client, the Institution of Civil Engineers was crowned winner of the Most Effective Reward Programme at the Pay & Benefits Awards for work they have undertaken on their pensions and benefits package. Find out more, view the winners gallery here.
PR – SchemeXpert

Watch Darren Laverty, Partner at Secondsight, discussing the best approach to financial education. Please click here to view the film; you will need to register, but it’s free!
PR – Employee Benefits

3 of our clients named in the Top 100 Benefits Managers to watch. •Jill Cunnison, Head of Reward and Recruitment at Capital One •Sally Kennedy, UK HR Manager at Yazaki Europe •Ethan Kelly-Wilson, formerly Head of HR Operations at the Institution of Civil Engineers and now UK HR Manager for Epson Europe
More charities are preparing for pension reform

A survey conducted by ACEVO with Foster Denovo shows that more charities are preparing for the upcoming pension reform.
PR – Employee Benefits

Darren Laverty of Secondsight comments on how employers should ensure they get value for money from their pension when auto-enrolment comes in.