ae+ corporate brochure
TRANSCRIPT
AE+Navigating Auto-Enrolment
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Navigating Auto-Enrolment | 01
Our experience at Chase de Vere
is that many businesses do not
understand the full extent of their
responsibilities for auto-enrolment
and have yet to undertake any
serious planning.
Given the immediate day-to-day
pressures of running a business, this
is perhaps understandable. However,
auto-enrolment is happening and the
time has come for smaller to medium
sized employers to start planning.
Auto-enrolment is a catalyst for
positive change if you rise to the
challenge of the requirements in
good time.
As an independent employee benefi ts
consultancy working principally with
smaller, medium and small-large
sized businesses, we are in an ideal
position to provide the expert and
independent advice you need to make
informed, eff ective decisions that
will benefi t both your business and
your employees.
Our AE+ service is designed to
provide the specialist service, expert
support and independent advice your
business needs to meet all its auto-
enrolment responsibilities, saving
you time and money, and helping you
gain a competitive edge with a wider
benefi ts solution.
How we will helpAs one of the UK’s longest-established
Independent Financial Advisers and
Employee Benefi t Consultants, we are
exceptionally well placed to advise
businesses now facing the auto-
enrolment challenge.
With our focus on smaller, medium
and small-large sized businesses,
we have the expertise, experience
and capability that companies need.
We off er well-considered, cost-eff ective
solutions which are tailored to your
needs and changing circumstances.
Reliable advice, help and supportMost companies simply do not
have the resources to manage the
complexities of auto-enrolment
internally. We will work with
you to provide the expertise and
experience you need.
Independent fi nancial advice for business
Auto-enrolment is
unquestionably the biggest
change to workplace
pensions in a generation.
But as an employer, what
should you be doing?
What are the issues to
consider? And when do
you need to act?
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02 | Navigating Auto-Enrolment
We have been a trusted source of
independent fi nancial advice for
more than 40 years, working with
over 1,000 companies. This makes
us one of the UK’s longest established
corporate practitioners.
We are, fi rst and foremost,
independent, which is why
prestigious companies choose to
work with us. Instead of being
restricted and obliged to off er
solutions from selected providers,
we are free to search the whole
market to bring you the very best
strategies for your business. We
only ever have your best interests
at heart and our sole responsibility
is to provide you with the very
highest standards of independent
fi nancial advice.
What is more, all our fi nancial
advisers are highly qualifi ed – many
beyond the standards required by
our regulator, the Financial Conduct
Authority. Our people are among
the best in the industry. It is no
wonder the industry and media
have recognised our expertise and
high levels of service with numerous
awards and accolades.
Nationwide presence, local expertiseOur independent advisers operate
from offi ces throughout the UK.
So wherever you and your employees
are based, we are close at hand.
This allows us to have the knowledge
and presence to provide independent
advice at a local level.
Trusted for our independent thinking
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Navigating Auto-Enrolment | 03
There is nothing automatic about auto-enrolment
What is the thinking behind this initiative?Millions of people are not saving
enough to generate the income they
will need when they retire. At the
same time, people in the UK are
living longer. It means our society
is getting older – and poorer.
Auto-enrolment will radically change
the way we save for old age, and help
millions of people put something
meaningful aside for the future.
Up to 11 million employees will
be automatically enrolled into a
workplace pension – making this
the single biggest pensions revolution
since the introduction of the state
pension over a century ago.
How will auto-enrolment aff ect your company?As an employer, you have an
important part to play in this
momentous change. The deadlines
(or staging dates) for auto-enrolment
take place over six years and depend
on the size of the company. Larger
organisations began enrolling eligible
workers in October 2012. Firms with
50 to 499 workers will follow from
January 2014 through to April 2015.
The date for fi rms with 49 workers
or less is from June 2015.
What is auto-enrolment?Following Government changes
to workplace pensions law, all UK
employers must help their workers
save for retirement.
Under the new rules, employers must
provide a company pension that
meets certain standards.
Then they enrol eligible employees
into it, who:
• Are not already in a qualifying
workplace pension scheme
• Are at least 22 years old
• Are below state pension age
• Earn more than £9,440 a year
• Work or ordinarily work in
the UK.
Even if workers are not eligible to
automatically enrol, they still have
the right to join a scheme – so it
is important to know that if an
employee asks to opt into the scheme,
you must allow them to join.
We will help you
plot your course.
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04 | Navigating Auto-Enrolment
It is important to plan well in
advance of these dates – even if your
company already has a pension
scheme in place.
The detail of the legislation is highly
complex and very few employers
accurately factor in the operational
impact on payroll, the additional
costs involved in changing processes
or increasing administration or
the investment in technology.
Auto-enrolment involves much
more than just enrolling employees
into a pension scheme.
This is why The Pensions Regulator
advises that employers need to
allow 18 months to prepare for their
staging date – to research, plan
and implement an auto-enrolment
solution that will meet business
requirements.
There are numerous issues to
consider in preparing for auto-
enrolment and choosing a solution
that is right for your business and
your employees. Some of the things
employers will need to think about:
• Assessing the workforce to
determine the applicability of
auto-enrolment
• Reviewing current pension
arrangements to confi rm
compatibility with new rules
• Administering the whole
auto-enrolment process, from
automatically enrolling ‘eligible’
employees, to managing staff opt-
ins, requests to join and to leave
the scheme, opt-outs (and future
re-enrolment of opted-out staff )
and refunds
Benefi t from expert navigation
Recent research regarding auto-enrolment, from the Association of
Consulting Actuaries (ACA), revealed that only 20% of SMEs surveyed
were aware of their auto-enrolment compliance responsibilities – and of
those who were, 53% said they were ‘complex’ and 23% said ‘very complex’.
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Navigating Auto-Enrolment | 05
The clock is ticking. So unless you
take action now, you may unwittingly
drift towards non-compliance,
or leave yourself vulnerable to
rash choices that may damage the
business in the longer term.
The cost of taking early advice to
make sure you get auto-enrolment
right, is as valuable an investment
for your company as ‘saving for
tomorrow’ is for your employees.
Compliance with the auto-enrolment
rules sits squarely with employers,
and there is no doubt that The
Pensions Regulator will ensure that
workers are able to access suitable
pension arrangements.
With non-compliant businesses
facing penalties of up to £10,000 a
day, it is perhaps not surprising that
87% of SMEs questioned said they
would seek fi nancial advice.
• Communicating the changes
eff ectively to workers
• Considering the ‘postponement’
option, to ensure you are ready
for your duties
• Controlling costs, particularly
those relating to compulsory
employer contributions
• Exploring cost effi ciencies, such
as a salary exchange scheme
• Evaluating the role of other
staff benefi ts
• Ensuring the ongoing compliance
of new arrangements.
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06 | Navigating Auto-Enrolment
Currently, three quarters of smaller
fi rms have no pension scheme in
place for their employees*. With
auto-enrolment, all employers are
required to join ‘eligible employees’
into a pension scheme that meets
specifi c criteria.
Can employees opt out?All eligible employees will auto-enrol,
but will then have the right to
opt out. Three years after employees
opt out, it is your responsibility as
an employer to auto-enrol them once
again. They will still have the right
to opt out.
What about contributions and what do they mean to employers?As well as diff erent dates for the auto-
enrolment process, the Government
has set a minimum percentage for
total contributions. This consists
of the employee’s contribution,
the employer’s contribution and
the tax relief.
This minimum amount increases
gradually between 2012 and
October 2018:
2% (phased in between October 2012
and September 2017)
5% (phased in between October 2017
and September 2018)
8% (from October 2018 onwards).
Employees can contribute more than
the minimum if they wish.
What this means for employersWithin this total contribution, the
Government has set a minimum
percentage that the employer must
contribute, which also increases
over time:
1% (phased in between October 2012
and September 2017)
2% (phased in between October 2017
and September 2018)
3% (from October 2018 onwards).
Employers can also contribute more
than the minimum if they wish.
How auto-enrolment will change the landscape for workplace pensions
How much will it cost?The real cost of auto-enrolment
goes beyond contributions.
The fi nancial impact on your
business could be considerable.
There are four additional
sources of costs you will need
to allow for and these are:
• The work involved in
choosing and setting up a
qualifying scheme. If you
have an existing scheme,
you still need to make sure
it meets the requirements
for auto-enrolment
• You will need to change your
systems and processes to
support auto-enrolment
• You must register with
The Pensions Regulator
and certify compliance
• Ongoing costs of managing
auto-enrolment.
Careful planning and early
advice are essential in the
run-up to your auto-enrolment
staging date. Get auto-
enrolment right and you
will motivate your workforce
and stand out from your
competitors. Get it wrong, and
you will waste a lot of time
and money – and face fi nes
of up to £10,000 a day from
The Pensions Regulator.*Source: Association of Consulting Actuaries (ACA), 15 October 2012.
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Navigating Auto-Enrolment | 07
At a glanceBy October 2018 minimum contributions must be
8% of an eligible employee’s qualifying earnings –
with a minimum of 3% from the employer plus 4%
from the employee (and 1% from tax relief).
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08 | Navigating Auto-Enrolment
If employers do not comply, there are
three escalating steps The Pensions
Regulator will take:
• Issue a warning notice
• Issue another warning and apply
a fi xed fi ne of £400
• Apply a daily fi ne.
The daily penalty will increase
until the company complies. The
amount depends on the number
of employees.
What about existing schemes?If you have an existing pension
scheme, it needs to be reviewed
carefully to make sure it meets the
specifi c criteria for auto-enrolment.
A timely opportunityAs well as helping your employees save
for their retirement, auto-enrolment
provides an ideal time to review the
wider rewards package you off er
your employees.
What happens if you do not comply?
Number of employees
Daily fi ne
500+ £10,000
250-499 £5,000
50-249 £2,500
5-49 £500
1-4 £50
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Navigating Auto-Enrolment | 09
Don’t just keep up with auto-enrolment, stay in front of the competition
You could choose to just pay higher
pension contributions than the
minimum. The risk here is that
this may be less cost-eff ective than
other employee benefi ts, which will
also provide you with the scope to
meet the needs of a wider range
of employees.
To realise the best return on your
investment for your auto-enrolment
spend, you should explore ways to
maximise engagement with your
employees and stay competitive.
A workplace pension is a key
employee benefi t when it comes to
engaging and motivating employees
and making you a competitive
employer. But to seriously compete
in their labour market, we believe
businesses must go beyond a
workplace pension and take this
singular opportunity to implement
a wider employee benefi ts solution.
The key pointsAuto-enrolment is mandatory
for all employers. So, (despite the
considerable fi nancial impact on your
business) by just complying with the
statutory minimum requirements,
you risk doing exactly the same,
and potentially much less, than
your competitors.
Research in March 2012 among readers of Employee Benefi ts magazine
and users of www.employeebenefi ts.co.uk, backs this up. The need to keep
employees engaged is refl ected in the top two reasons why employers say
they off er benefi ts: because they are an eff ective retention tool (80%) and
an eff ective recruitment tool (79%). Also, 60% are closely linked to their
overall business strategy.
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AE+ The expert help, specialist service and independent advice your business needs in a time of change.
10 | Navigating Auto-Enrolment
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Navigating auto-enrolment | 11
• AE+ is a unique, competitively
priced service, designed specifi cally
for businesses like yours, to help
you meet all your auto-enrolment
responsibilities, and help you gain
a competitive edge with a wider
benefi ts solution
• AE+ will make decision-making
easier and more effi cient
• AE+ will save you time and money
• AE+ will give you the choices and
options you need to compete.
How does AE+ work?Through our AE+ service we will:
• Guide you through your legal
obligations and their eff ect on
your business
• Explain the various contribution
structures and pension options
available to you
• Demonstrate what your
competitors are off ering their
employees, and what your business
must do to gain or maintain a
competitive advantage
• Recommend and implement a
suitable, fully compliant workplace
pension, to allow you to gain the
maximum return for your auto-
enrolment spend.
What else will AE+ do for your business?AE+ will give you a clear
understanding of the positive
benefi ts of off ering a wider employee
rewards package. These include
fl exible, aff ordable group risk
products such as group life cover
and income protection.
In addition to a great company
pension scheme, these benefi ts are
highly valuable to your employees.
A competitive rewards package will:• Help motivate employees and
provide choice on how they select
their benefi ts to meet their current
fi nancial aspirations
• Encourage loyalty towards the
company and provide real value
• Attract, and retain, high-calibre
people to your fi rm
• Make you a competitive employer.
Why choose AE+?As a specialist independent adviser
for smaller, medium and small-large
sized businesses, we off er expert,
relevant and cost-eff ective solutions
that are tailored to your specifi c
needs. Talk to us to fi nd out how
your business will benefi t from our
unique approach and outstanding
independent advice.
What is AE+?
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12 | Navigating Auto-Enrolment
AE+ is a fl exible three-stage service
with a choice of options you can
tailor to suit your business. You can
choose as many stages as you need
or want, and select the options that
suit your budget and your in-house
capabilities.
You can rely on the expertise and
independent advice of your dedicated
adviser at Chase de Vere. They will
be there at each stage to ensure your
business gets the most benefi t from
auto-enrolment.
FREE Impact Analysis Report
What we off erYou will receive a free Impact
Analysis Report, fully personalised
to your business, which clearly
defi nes what you need to do as
an employer, and by when.
How your business will benefi tYour free, personalised 8-page report
will provide invaluable information,
including:
• Your obligations as an employer
and what action you need to take
• The numerous timeframes
involved
• What may happen if you don’t
get it right.
AE+, tailored to your business in three clear stages
We’ve competitively priced
each stage of our AE+
service. Each stage of AE+
is supported by a price
guarantee which is tailored
to your company’s needs
and budgets.
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Navigating Auto-Enrolment | 13
Stage 1: Impact Analysis
• Clearly explain your auto-
enrolment contribution choices
• Identify cost-saving opportunities
• Indicate the costs of wider benefi ts
for you to consider.
How your business will benefi tYou will receive confi rmation that
any existing arrangements are fi t for
purpose – or understand what you
must do to meet the contribution
criteria. You will:
• Receive a breakdown of the costs
of auto-enrolment to assist you
in making informed choices and
plan eff ectively
• Have the opportunity to control
your cost base while maintaining
a commercial edge
• Be able to meet your legal duties
while managing your business cost
and administration structure.
Following the free Impact Analysis
Report, you will understand what
you need to do and when you need
to do it.
What we off erThe Impact Analysis will confi rm
exactly what your business needs to
do, illustrating the various options
available and the likely costs involved.
The Impact Analysis includes a
compliant, thorough evaluation of
your workforce (at individual level),
to identify which staff are eligible for
auto-enrolment and which are not.
This enables you to build a solution
on a fi rm foundation, and to develop
the optimal auto-enrolment plan for
your business.
What the Impact Analysis includesWe will:
• Explain how auto-enrolment will
impact on each of your employees
• Review any existing arrangements
to help you meet your auto-
enrolment requirements
• Help you understand your initial
and future costs
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14 | Navigating Auto-Enrolment
Having completed Stage 1 – the
analysis of auto-enrolment and
its impact on your business – you
will understand:
• How to meet the legal requirements
in assessing your workforce
• How auto-enrolment will impact
on any existing arrangements
• All the cost implications.
What we off erStage 1, Analysis – provides your
business with information to achieve
basic compliance to ensure you meet
your employer duties.
This is important to your business,
so you will have the opportunity not
only to comply but also to choose
your appropriate providers and
control your auto-enrolment costs,
administration and their impact on
your business.
Stage 2, Design – focuses on creating
the optimum auto-enrolment
solution for your business.
What the design phase includes• A recommendation of the
providers and the best type of
workplace pension for your
company and your employees
• Advice on the most appropriate
default pension fund
• A recommendation of an optimal
contribution strategy
• Guidance through the
complexities of day-to-day
auto-enrolment compliance
• Detailed costings of any
wider benefi ts you are actively
considering implementing
• A clear project plan to provide
information and full support for
your employees throughout the
auto-enrolment process.
How your business will benefi t• The opportunity to achieve
maximum return on auto-
enrolment spend and employee
engagement
• The advantage of Chase de Vere’s
independent, whole-of-market
expertise which matches the needs
of both the business and employees
to select product providers
• Expert service to meet your
legal obligations and maximise
returns on your business and your
employees’ contributions
• Clear lines of responsibility – who
is doing what and when – to meet
your implementation date
• Achieve compliance and cost
reduction.
Stage 2: Design
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Navigating Auto-Enrolment | 15
The competitive advantage in our AE+ serviceLooking beyond the immediate challenge of
providing a compliant pension scheme that meets
all the requirements of auto-enrolment, AE+
provides an important added advantage.
At no extra cost, our AE+ service off ers the option
to include a corporate benefi ts benchmarking
report, which allows you to see exactly what other
fi rms in your sector off er their employees. In
addition, you will understand how your business
could further enhance its competitive edge
following auto-enrolment. We include details
of special arrangements for:
• Salary exchange – control costs
• Group life insurance
• Group income protection insurance
• Group private medical insurance
• Childcare voucher scheme
• Online employee discounts.
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16 | Navigating Auto-Enrolment
Once you have agreed your design,
you will gain a clear understanding
of why the solution is right for your
business – and the wider benefi ts
for your business, looking beyond
auto-enrolment.
Stage 3, Delivery – focuses on
implementing the solution.
What the delivery phase includes:• Implementation of the selected
workplace pension scheme and
other chosen benefi ts to an agreed
project plan
• Detailed full project plan with
dedicated Chase de Vere support
throughout the process
• Chase de Vere will undertake
required submissions to The
Pensions Regulator on your behalf
• Create and deliver a clear
communications plan to provide
information and full support for
your employees throughout the
auto-enrolment process
• Training of employees who
will carry out the ongoing
administrative functions of
auto-enrolment
• How to maximise return on
auto-enrolment spend through
employee engagement.
How your business will benefi t• Compliance with your new duties
and legal responsibilities, as well as
meeting the goals of your business
• Concise project planning – to
create a clear path to facilitate
minimum disruption to your
business during the build-up to
your implementation date
• Clear lines of responsibility – who
is doing what and when – to meet
your implementation date
• Employee communications will
be clear and concise and specifi c
to your employee groups, helping
you to achieve maximum return
on investment for auto-enrolment
spend for your business
• Delivery and communication of
any associated employee benefi ts
that you implement alongside
auto-enrolment
• We will help ensure your employees
eff ectively use the available auto-
enrolment technology to best eff ect.
Stage 3: Delivery
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Navigating Auto-Enrolment | 17
The future…There is increasing pressure on
employers from both the Government
and The Pensions Regulator,
to ensure that workplace pension
schemes are actively monitored
and reviewed so that they remain
fi t for purpose.
What we off erWe will continue to monitor your
chosen benefi ts to make sure that
they continue to be appropriate and
compliant. We will provide you with
an annual report to confi rm the
ongoing suitability of the options
you’ve chosen and check that the
default funds remain appropriate.
How your business will benefi t in the longer termIt will be very reassuring to know
that with AE+, everything you’ve
put in place for your business and
employees will continue to be:
• Robust – meeting the current and
ongoing needs of your business
• Appropriate, motivating and
engaging for your workforce
• Competitively priced – quality
solutions and advice plus
exceptional value for money
• Fully compliant to meet all your
legal requirements
• An important incentive – valued by
existing employees and potential
new employees.
The ongoing benefi ts of AE+ can also
include the provision of a range of
useful fi nancial advice services for your
employees, at your workplace such as
pre-retirement workshops, counselling,
and executive counselling.
The + with our AE serviceIt is what provides the unique
advantage.
Auto-enrolment is not just about
pensions, it is about how you
remunerate employees and how
you manage your administration.
The + is:
• Big business benefi ts – maximise
your spend, maximise employee
engagement
• Guidance with IT to manage
your auto-enrolment obligations
– for seamless, streamlined
implementation
• Expert support throughout
design – for confi dent, informed
decision-making
• Look beyond compliance –
for a more competitive edge.
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Many companies choose to work
with us not only because we are
expert pensions and employee
benefi ts specialists, but because
we are committed to providing
independent advice.
We believe that true independence is a
virtue: a virtue that allows freedom of
thought and real objectivity. However,
in the world of fi nancial advice, true
independence is in decline.
Many fi nancial advisers are
restricted, as they can off er only
limited advice and solutions from
selected providers. But we are not.
Our only obligation is to our clients.
Our experienced team of independent
employee benefi ts advisers will
evaluate the whole market, and only
then recommend a benefi ts strategy
that is right for your business.
As one of the UK’s longest established
and experienced independent
corporate fi nancial advisers, we off er
a powerful range of skills, know-how,
resources and negotiating power to
help your business develop a cost-
eff ective employee benefi ts solution.
What is more, all our fi nancial
advisers are highly qualifi ed – many
beyond the standards required by
our regulator, the Financial Conduct
Authority and many surpass this.
We are committed to investing in
training, technology and research,
and will continue to provide a
market-leading advice service.
Why choose Chase de Vere?
18 | Navigating Auto-Enrolment
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How we will work with youWe are a national fi rm with over
200 professional fi nancial advisers
located throughout the UK. We off er
you an attentive, focused service
from an experienced local adviser
and an experienced support team
in the background.
We value client relationships very
highly, so you will benefi t from
having a dedicated adviser, making
possible a consistent and highly
personalised service.
• Your dedicated adviser will
pro-actively arrange meetings,
and provide reports to keep
you informed
• By forming and maintaining
strong client relationships, we
develop a high level of trust with
our clients, delivering advice
which is exactly tailored to their
needs and a service which is highly
responsive to their changing
circumstances
• Your business will benefi t directly
from the fact that we are pensions
and employee benefi ts specialists.
We will help you access the best
products and services and get the
best results for both your business
and your employees.
Navigating Auto-Enrolment | 19
We provide a consistent, award-winning service• Unbiased.co.uk Investment IFA
of the Year winner 2013
• Good Advice Awards Best
Investment Adviser fi nalist 2012
• Highly Commended and runner-
up in the Group Pensions IFA of
the Year category at the Financial
Adviser Awards 2012
• Private Client Practitioner Top
25 IFA Companies 2012
• Financial Adviser Awards Group
Pensions IFA of the Year runners-
up 2012
• Professional Adviser Investment
Adviser of the Year winner 2011.
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What our business clients say about us...
20 | Navigating Auto-Enrolment
“ Thank you for your assistance within the development
and implementation of our benefi ts project. I have been
very impressed by everyone’s support, and communication,
throughout the implementation and I have enjoyed
working with Chase de Vere on this project.”
HR Director
“ We have been working with Chase de Vere for several
years and really benefi t from having a local adviser who
provides quality advice which is appropriate to our
business and employee size.”
Managing Director
Get in touchTo fi nd out how Chase de
Vere can help you with auto-
enrolment and add value to
your existing employee benefi ts
programme, or to talk to one
of our professional advisers:
Please call us on
0845 140 4014
or send an email to
or visit
www.chasedevere.co.uk
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www.chasedevere.co.uk0845 140 4014
The Financial Conduct Authority does not regulate tax advice.
Chase de Vere Independent Financial Advisers Limited
(registered in England Number 2090838) is authorised
and regulated by the Financial Conduct Authority.
A member of the Swiss Life Group. Registered offi ce:
60 New Broad Street, London, EC2M 1JJ.
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