Corporate Business

Corporate Business

Delivering relevant corporate financial advice and solutions to your business requires specialist expertise and knowledge. Getting this wrong could have dramatic long term consequences.

At RK Henshall Financial Services we build a close relationship with you and the key individuals within your firm. This will allow us to fully understand and provide tailored solutions to the needs of your business.

Recommending and delivering the most appropriate, tax efficient solutions, backed up by suitable trust documentation.


  • Directors & Executive Pensions
  • Auto Enrolment Solutions
  • Group Pensions
  • Director Share Purchase
  • Partnership Assurance
  • Key Person/Employee Cover
  • Tax efficient Death in Service benefits
  • Group Death in Service
  • Group Critical Illness Cover
  • Group Income Protection Cover
  • Group Private Medical Insurance

“Although state pension age continues to increase, the value of the amount payable in real terms continues to decrease. To avoid criticism the government are forcing employers (via auto enrolment) to fund employee pensions”.

Group Pensions


We can advise on all types of schemes such as:

Small Self Administered Schemes (SSAS) are a type of occupational scheme where the members are normally company directors or key staff. The scheme must have less than 12 active members and only one SSAS is permitted for each employer. The members who are required to be trustees of the scheme can control the investments subject to HMRC restrictions regarding which assets are considered suitable for pension schemes. Small Self Administered Schemes are regulated by the Pensions Regulator.
Group Personal Pensions are an administrative arrangement that an employer can offer to their workers. The employer will set minimum contributions levels for both their own contributions and if applicable employee contributions to the pension.
Under the Pensions Act 2008, every employer in the UK must put certain staff into a pension scheme and contribute towards it. This is called Automatic Enrolment. Whether you are a hairdresser, an architect or employ a personal Care assistant if you employ at least one person you have certain legal duties. RK Henshall Financial Services can provide a tailored solution that gives you as much or as little involvement as you and your business require. (Please note Workplace pensions are regulated by the Pensions Regulator)

The value of your investment and pension can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance. Investing in shares should be regarded as a long-term investment and should fit in with your overall attitude to risk and financial circumstances.

Levels and basis of relief from taxation may be subject to change and their value depends on the individual circumstances of the investor.

We will provide advice to help you understand the pension and underlying investment funds, and put a plan in place to give you financial security in retirement.

Protection for Your Business

Shareholder Protection / Keyperson

Key person, shareholder and business loan insurance should all be considered to protect your company’s future. You have built a successful company; you have high performing staff, loyal customers and future prospects look encouraging. It now makes sense to ensure against the loss or incapacity of key employees and it is a cost effective means of protecting your business.

Relevant Life

Relevant life plans are similar to most other types of life policies except they aim to provide a tax efficient benefit provided by an employer for an employee. There are a number of advantages to arranging Relevant Life Insurance such as – policy premiums are usually treated as an allowable expense for the employer in calculating their tax liability, this means a higher-rate taxpaying company director can save 49 per cent by paying for their personal life cover via a relevant life plan compared to paying for a policy out of net earnings (savings for a basic rate taxpayer is around 36 per cent).
Relevant Life plans are generally taken out by company directors and written in trust with premiums paid by company.
Relevant Life Plans can be used to provide cover for an employee, however if they leave employment the cover will stop unless they arrange for conversion to personal term assurance.

Group Life

Group Life Insurance is a low cost employee benefit paying out if the employee passes away whilst in employment with your organisation. The policy would pay out irrespective of whether death occurs at work or not. For example, it could be as a result of an accident whilst on holiday or as a result of a long term serious illness. Each employee is covered as a multiple of their gross earnings which is determined by the business upon setting up the policy. The structure of the policy is flexible allowing different grades of employees to have different levels of cover.

“Employers insure their premises, stock and machinery, company cars to avoid business disruption costs, yet they continually overlook insuring against the loss of the hardest asset to replace – Skilled and profitable employees”.

Our Location

The Grove, Mill Lane,
Wheelock, Sandbach,
Cheshire, CW11 4RD.
Telephone: 0800 470 2122
Fax: 01270 758059

RK Henshall Financial Services Ltd © 2019

RK Henshall Financial Services Ltd is an appointed representative of Sense Network Limited which is authorised and regulated by the Financial Conduct Authority. RK Henshall Financial Services Ltd is entered on the Financial Services register ( under reference number 446246. Registered in England and Wales Reg. No. 05545061. c/o Bradshaws, Charter Court, 2 Well House Barns, Chester Road, Bretton, Chester, CH4 0DH. The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers based in the UK. The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services business aren’t able to resolve themselves. To contact the Financial Ombudsman Service, please visit

RK Henshall Financial Services Ltd are very proud to support Lupus UK. Lupus UK is a charity very close to our hearts. Unfortunately, Nita Davies who had been a stalwart of our company from it’s very beginning lost her battle against this terrible illness in 2013. Lupus UK is the only National Charity which supports people with the immune system illness. (Registered charity nos. 1051610, SC039682) Click here to read more about Lupus UK.