Financial Advice for Employees.

At Harding Financial, we recognise the importance of sound financial advice for every employee. Our Independent Financial Advice service leverages the UK government’s provision that allows a tax-efficient allowance of up to £500 per employee for financial advice. This initiative not only makes professional financial guidance more accessible but also brings tangible tax and National Insurance savings for both employers and employees.

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Our approach

Expert Advice brings savings to everybody.

At The Harding Hub, we’re passionate about empowering your employees with the knowledge and tools they need to make wise financial decisions. Leaning on the expertise of Financial Planners at our parent company, Harding Financial, our collaborative approach to Independent Financial Advice for Employees is grounded in a deep understanding of the financial challenges and opportunities that individuals face in today’s economic landscape. And best of all, this is a win-win situation. Employees get knowledge and advice, whilst you, the employer, benefits from lower National Insurance payments, as a result of offering this scheme through a salary sacrifice model.

The £500 Salary Sacrifice

The UK government permits employees to receive up to £500 worth of pensions and general financial advice each tax year, which can be paid for by their employer without incurring a taxable benefit-in-kind. Our fixed price service provides your employees with personalised advice that will help them and their financial prosperity.

Employer National Insurance Savings

By offering this as a benefit, employers can potentially save on National Insurance contributions, as the amount paid for financial advice does not count towards taxable income. This makes it a cost-effective way to invest in employees’ financial well-being.

Personalised Financial Planning

Your empoyees will get guidance on pensions, investments, savings, and more, to empower them and inform their financial decisions. They can choose from our fixed-price service for £500 or access the full range of our services for Private Clients, paying the difference themselves.

Aside from our fixed-price £500 service, your employees will also be able to access the full range of Harding’s Services for Private Clients, as detailed on their Private Clients page, where both you and your employee benefit from the first £500 of our services being deducted as a Salary Sacrifice.

When my employer introduced the option to use the £500 tax allowance for independent financial advice, I was intrigued but didn’t realise just how impactful it would be. Harding Financial provided me with personalised advice that completely transformed my approach to financial planning. From optimizing my pension contributions to smart investment strategies, their guidance was invaluable. The fact that this service was offered through my employer saved me money in tax and gave put me on a more certain path towards achieving my financial goals for the future.

★★★★★