If you stop saving then your employer will also stop and you will no longer benefit from government tax relief . Find out more about this and other considerations below.  
If you are a member of a workplace pension arrangement with minimum contributions your retirement savings pot is likely to grow faster from 6 April 2019 because the contribution paid by your employer and you will increase. Read more to see what this means for you 
Image by Nattanan Kanchanaprat from Pixabay 
The Retirement Savings Gender Gap is real. Women's retirement savings are expected to be on average around 11% smaller than mens. How would your options on retirement be improved with a larger retirement pot. Read more about five things you can do
Employers who have provided a workplace pension have Reenrolment duties three years after their original staging date. There are 5 things you need to do and and 3 things you might want to take the opportunity to consider.  
A Cash Equivalent transfer value (CETV) from a defined benefit scheme can seem a large amount of money and the idea of flexible access to that money may seem attractive. 
These transfers can be right for some people although certainly not everyone and it is important to understand the implications of such a transfer and the process involved. Read more about  
the 6 things you need to know.  
Do your employees appreciate how their retirement savings grow from your valuable employer contribution and government tax relief ? 
The pensions regulator not only has power to fine employers who are not complying with Autoenrolment but also names and shames them . 
 
Are you comfortable that you have done everything you need to do and will not end up on the list? 
 
 
If you are in any doubt or if this is still on your too hard pile no matter how late get in touch to get the facts and see how we can help 
 
Or check out our blogs for more information 
If you have taken on an employee for the first time you have to take action on auto enrolment . 
If you have previously had only Directors auto enrolment duties may not have applied  
Once you employ someone then auto enrolment duties apply in respect of all employees including Directors 
If you first employ someone on or after 1 October 2017 the auto enrolment duties apply immediately  
More information about what you need to do is given in the previous blog Seven Steps to Auto Enrolment. 
RECEIVED A LETTER FROM THE PENSIONS REGULATOR? THINK YOU MIGHT NOT BE AN EMPLOYER FOR AUTO ENROLMENT PURPOSES? 
Automatic enrolment duties don’t apply when a company or individual are not considered an employer. You won’t have any duties if you meet one of the following criteria: 
 
• you’re a sole director company, with no other staff 
 
• your company has a number of directors, none of whom has an employment contract, with no other staff 
 
• your company has a number of directors, only one of whom has an employment contract, with no other staff 
 
• your company has ceased trading 
 
• your company has gone into liquidation 
 
• your company has been dissolved 
 
• you no longer employ people in your home (cleaners, nannies, personal care assistants, etc) 
 
NOT SURE WHAT TO DO ABOUT YOUR LETTER FROM THE PENSIONS REGULATOR? 
It’s not so hard as you might think. 
 
Once set up the ongoing monthly process should be no more difficult than paying your PAYE and NI. 
 
The 7 steps to set up are as follows :- 
 
1. Initial assessment of workers 
Workers are categorised as eligible jobholders , non eligible jobholders and entitled workers . 
 
2. Deciding which earnings to use 
You can choose whether to use Qualifying Band Earnings , Total gross earnings or basic salary. 
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