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employee benefits bringing a sense of community to your business

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foster a sense of community what value would there be in your business without its people we believe that the people who invest their lives in your business give it its character and that s what really defines you it s certainly what your customers love about you your people don t just make your business what it is they make it what they are your business is more than a collection of individuals it s a community of people who thrive off each other who inspire each other we believe that to keep your business moving forward innovating and evolving you need your people to invest more than just their time you need their enthusiasm their creativity their flair and a little bit of passion your people can be a competitive advantage in every sense of the term and maximising that could help to make your business more successful we believe in supporting your people and helping them to live the lives they want it s their future their life s work your responsibility is to try and ensure they have the best provision available our award winning approach is designed to help you do just that we believe in providing for their future and financial certainty in short we believe in treating people like people because it makes your business stronger pensions and benefits could be important parts of your remuneration package in a sense a pension is the most valuable thing that many people own.

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foster our approach our ongoing development programme aims to make our partners among the most technically expert in the marketplace so you will know that the structure we design will be the best available we offer a benchmarking service which helps us to gauge the level of support required for you to stand out amongst your competitors and will make every effort to ensure that the individuals in your organisation understand the options available to them and have an investment strategy designed just for them to give them the future they want we could help you to improve the return on investment for to us pensions and benefits are about more than just the future they re about helping people to choose which benefits they need to help them live their lives today our total independence means that we have the flexibility to design and implement a rewards package that offers the best possible fit to you and the people in your business your pensions and benefits spend reduce the administrative burden on your team increase the perception of the package you provide among your staff help you to demonstrate the value you are adding in a clear and quantifiable way increase retention rates improve your chances of recruiting the best people and ultimately help you to create the best possible working environment fostering a community of people working together to grow your business because we are not tied to one particular platform or provider we are able to assess the whole market with the aim of finding the best available technology and the most up to date thinking we believe this gives us the flexibility to help you whatever you need foster denovo s process is obviously having a significant impact benefiting employers by cutting staff turnover from an average of 13.9 to 7.98 aegon/scottish equitable comparison 25/10/2006 foster denovo limited is not a partnership in the legal sense but uses the concept of partnership to symbolise the commitment of its advisors to the same values and ideas the number one of which is their commitment to client service.

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foster improved communication our aim is to stimulate a vastly improved understanding and appreciation of the benefits package you provide research shows that employees undervalue the worth of their benefits packages by two-thirds that may mean that most employers are only seeing a return on a third of the money they spend more importantly though it probably means that employees are not getting the advice they need to secure their futures to us communication is the most critical factor in assessing the implementation of a pension scheme so we offer individual tailored investment advice to everyone in your organisation we believe that our partners have a unique ability to bring pensions to life,thereby maximising the value that individuals attach to their pension provision what we offer you is the knowledge that everyone in your organisation has access to our advice and guidance what we offer your people is clarity on every aspect of their pension planning including which funds to invest in how to make the most of any provision they already hold whether salary sacrifice is the right tool to help them grow their money and if they should be contracted in or out of the state second pension most importantly we offer the vision of what their futures could look like and how they can get there significantly higher than before 40 the same as before 17 perceived value of company benefits slightly lower than before 0 significantly lower than before 0 slightly higher than before 43 information from our internal database and compiled from feedback provided by clients 18/09/2008

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with our benefits strategy in place we have seen a significant increase in engagement with our employees in the 2007 staff survey 82 said they would recommend live nation as a place to work ­ in sharp contrast to 2004 when 38 said this philomena gray hr director live nation 27/08/2008

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foster market leading technology the benefits market may change very quickly offering an often dizzying array of packages to help the people you work with integrate their working lives with the rest of their commitments and take the benefits that will help them most this scheme demonstrated a radical culture change from a traditional take-what-you-can-get approach to a culture of select-what-you-want with open communication the panel felt the strategy is comprehensive the benefits match what staff want it is a good example of what employers should do employee benefits award panel 2007 the main area that i wanted to commend you on was your service we were never left wondering what was happening and you came back to us promptly with bespoke solutions to our problems this left us in no doubt that you really understood us on a personal and professional basis subway south east ltd 19/08/2008

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employees can be offered the opportunity to integrate a wide variety of benefits into their reward package including private medical and dental care child care vouchers share plans car schemes mobile phones and even their bike any of which can be selected by them to create a package which suits their lifestyle benefits packages can also be integrated into hr systems offering the potential to better manage absenteeism and holiday entitlement as well as training and occupational health choosing the right benefits platform and provider is crucial as it may not only affect the benefits you can offer it may also impact on the ease with which they can be administered choosing the right benefits platform offers you the ability to easily manage the way you communicate and reduce the administrative burden this helps you to maximise the potential impact in your organisation in the most time and resource effective manner giving you the time to concentrate on adding value to your business.

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foster a better working relationship before we recommend a new pensions and benefits structure we believe in taking the time to get to know both your business and your people working with you to assess your current processes and systems and defining a set of objectives to create a more effective way of working this could help you to control costs benefits packages can be paid for in a variety of ways either by the employer or by the employee through salary sacrifice so solutions can be cost neutral to you choosing the right structure for your business could maximise the impact of a scheme by making the most effective use of your budget to further help you manage your spend in a way that suits your business we operate on either a fee or commission basis or a combination of the two improve ongoing management the increasing complexity of benefits solutions no longer lends itself to a one size fits all off the peg approach we want to work with you throughout the design implementation and management of your benefits solution so you can take advantage of our experience and expertise end-to-end because we take a holistic view we could help you to establish and document a robust process to get you started and look forward to help you plan for the future tools like benefit spend forecasting could help you plan effectively and because we constantly evaluate the market we are able to keep you informed about developments within the industry including new benefits to add to your package meet objectives and add value implementing the right scheme could have a huge variety of benefits including · · · · improving return on investment improving engagement performance linking reward and recognition reducing the administrative burden on your team · enhancing your brand and increasing loyalty · improving retention rates · increasing the tax and ni efficiency of your business to realise them however we believe it is crucial to work with a consultant who not only has access to the entire market while designing a solution for you but who also helps you define your objectives plan an implementation strategy and then monitor and maintain the system on an ongoing basis for more information on how foster denovo employee benefits can help you call us on 0800 849 4008 or email us at enquiries@fdemployeebenefits.com www.fdemployeebenefits.com

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call foster denovo employee benefits to discuss your pensions and benefits package with one of our partners we like to work in small dedicated teams so we can offer the same level of engagement from our partners after 10 years as we offer during your first conversation to begin the journey just email us or pick up the phone david pugh partner dominic lee partner graham tiney partner ian bird partner hugh jory partner matthew mitten partner paul clarke partner neal shepherd partner steve cave partner

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the value of investments and income from them can fall as well as rise and is not guaranteed you may not get back the amount originally invested levels and bases of and reliefs from taxation are subject to change and their value depends on the individual circumstances of the investor foster denovo limited is registered in england wales reg no 05970987 registered office ruxley house 2 hamm moor lane addlestone surrey kt15 2sa vat no 904450842.

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