Corporate Planning
The most suitable protection for your business.
Keyman protection
Does your business have an individual whose death or serious illness would have financial consequences due to the loss of their skills, experience and knowledge?
Your business may need financial assistance to continue trading until a replacement for your key individual can be found and trained
Share Protection
Who holds shares within your company and what would happen to those shares if the individual died or became long-term sick or disabled?
Harvest Associates can review the situation helping to enable you to protect your business, and your families, in the event of part of shares ending up in the hands of someone with no business skills or intention of working in your organisation.
Let us review your existing cover
Employee benefits
We can help you to design an employee benefits package to attract and retain staff incorporating some or all of the following:
• Life Cover
• Income protection
• Private medical cover
• Critical illness cover
Retirement planning
The main types of planning that we can assist with are:
• Stakeholder pensions
• Company Pension schemes
• Directors Pension schemes (some of which can be used for tax efficient property purchase)
At Harvest we aim to convert complex financial matters into straightforward effective solutions designed to suit your needs and your company’s size and payroll.
It may be difficult to sell or realise the investment, or obtain information about its value, or the extent of the risks to which it is exposed.
The value of property investments and income derived from them can go down as well as up and investors may not get back the amount originally invested.
As property is a specialist sector it can be volatile in adverse market conditions, there could be delays in realising the investment.
Property valuation is a matter of judgement by an independent valuer therefore it is generally a matter of opinion rather than fact.
The value of investments and income derived from them may go down as well as up. Investors may not get back the full amount of their investment and are not certain to make a profit, they may make a loss.