Quantum Advisory

Merry Christmas from all of us at Quantum Advisory! We want to extend a heartfelt thank you to everyone we’ve had the pleasure of working with this year. We’re looking forward to what 2025 will bring.

Every December the Pension Protection Fund (PPF) publishes its ‘Purple Book’, which gives an overview of the UK’s Defined Benefit (DB) pension schemes using data collected over the year to 31 March. This provides a steer and understanding as to the continued direction of travel for UK DB pension schemes. Daryl Morris, Consultant at Quantum Advisory provides a summary here https://lnkd.in/dn8VX4mk #ppf

It was announced in the Autumn Budget that from 6 April 2027, unused pension pots and death benefits will be included for inheritance tax purposes, potentially affecting a small percentage of estates. This move aims to restore the principle that pensions are not for the accumulation of capital sums for the purpose of inheritance. We can help you navigate these changes and more: https://lnkd.in/ekPvqbrt

Quantum Advisory’s donations for this year’s Cardiff Foodbank collection have been weighed at the warehouse and we’re delighted to have collected 101.2kg of food - equivalent to 9 emergency food parcels which provide 3 meals a day for 3 days. Furthermore, each year we have managed to increase our donation. Last year, the total was 75kgs; 2022 it was 23.5kgs. 🎄🎅 Fantastic job and well done Team Quantum! 👍 #FoodBanks #CardiffFoodBank

Looking for support? We provide tailored solutions for pensions, employee benefits and more. Whether you’re an employer, trustee or member, we’ll help you make informed decisions with confidence. Find out more: https://lnkd.in/eE-NxKU5

Our investment consulting services help you achieve your goals, navigate challenges and take advantage of market uncertainty. From designing strategic allocations to investment fund selection, we offer the tailored solutions you need. Organise your investment strategy for 2025: https://lnkd.in/eE-NxKU5

At Quantum Advisory we provide a bespoke employee benefit consulting and re-broking service. We are uniquely placed to support organisations and the health, wellbeing and protection needs of their employees. Following the announcement of increases to the rate of employer National Insurance contributions paid by employers in the recent autumn budget, we can help to secure benefit solutions, such as life assurance, income protection and private medical insurance at a more competitive price – all without impacting the levels of cover offered to employees. To illustrate this, Quantum will undertake a high-level review of your existing benefits as well as any potential risks to your business, AT NO COST. Please contact Graham Yearsley or Carl Heritage to find out more. Email: [email protected] #HealthandWellbeing #EmployeeBenefits

Finance, HR and pension professionals came together on 22 October to hear exclusive industry insights and market updates at Quantum’s pension and investment breakfast seminar at the Celtic Manor Twenty Ten Clubhouse. Dan Redwood, FIA, FIA, Senior Investment Consultant, shared valuable insights on the global economy, gilts and equity markets. Lawrence Davies, Wales partnership manager at the Money and Pensions Service (MaPS), provided an update on how MaPS can support employers. James Bird, Consultant, discussed exciting new options such as collective defined contribution schemes and the defined benefit funding code of practice. We hope to see you at our next event. View the highlights https://lnkd.in/e23j3mxp

Some big changes were announced in the Chancellor’s first budget including an increase in employers’ National Insurance contributions to 15% from April 2025. Simultaneously, the employment allowance will rise to £10,500. These changes could indirectly affect employees. Find out more: https://lnkd.in/ekPvqbrt

The triple lock will be applied in full to the state pension in April 2025, meaning that pensioners will receive an increase in line with the growth in national average earnings of 4.1%. This will come as a relief to those pensioners in receipt of a state pension who are struggling with the current cost of living and the recent cut in the winter fuel allowance. Find out more: https://lnkd.in/ekPvqbrt