Stakeholder Exemption

You may be exempt from Stakeholder if:

  • You have fewer than five employees
  • You have less than five employees who earn above the Lower Earnings Limit, currently £90 per week (tax year 2008/2009).
  • You already offer an "occupational scheme" providing the waiting period to join is no more than 12 months. You also need to allow new employees to join the scheme up until they are within five years of the scheme's normal retirement age.
  • You already offer a qualifying Group Personal Pension (GPP)
  • You make qualifying payments into Individual Personal Pensions

If any of your exempt circumstances change in the future, you may be required to offer access to a Stakeholder scheme to your employees, so it maybe worthwhile offering access now, to avoid future problems arising.

To have an independent expert get in touch with you to offer some basic advice, simply enter your details below.

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On pressing the send button you will be contacted by Hello Finance Ltd who will ask some relevant questions about your pension requirements and then pass you onto an independent pension advisor in your area.

The Pensions Network web site is operated by Hello Finance Ltd and introduces clients to independent financial advisors. Hello Finance Ltd does not provide any finance advice and only acts as an introducer to regulated companies.

Hello Finance Ltd is registered in Wales under CRN 05501378 and our registered office and business address is
7 Fidlas Road, Llanishen, Cardiff. CF14 0LW. Our telephone number is 02920 762249. Our e-mail address is accounts@hellofinance.co.uk