Fair Financial
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Fair Financial
Fair Financial has focused on working with Small & Medium Enterprises (SME) to provide tailored pension and employee benefit programs that are backed up with clever technology which adds real value to your business. Through rigorous independent research, implementation, employee communication, review and recommendations, we aim to provide employers with a return that is much more than the cost of the benefits.

We are different from our competitors in that we specialise in providing uniquely tailored pension and benefit solutions for the smaller companies (Up to 250 employees) which sits on a fully tailorable online platform normally is reserved for companies with over 500 employees, at a fraction of the cost.
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Developing a modern relevant flexible benefits package which is well communicated and accessible to employees will provide you with a motivated workforce for a fraction of the cost of increasing salaries. It has been well documented that a "Happy worker is a good worker" and as the recognition of a good pension and relevant benefit packages continue to attract and retain key workers, it is an area that needs serious consideration.
Pensions have now become the cornerstone of any benefit package with the appearance of Auto-enrolment and pension freedoms which has changed the way we look at pensions forever. Along with other employee benefits, pensions need to deliver good outcomes for you and your workforce and to be effective tools to motivate, engage, retain and attract a higher calibre of employee.
Salary exchange is a tax efficient way to buy benefits or increase pension contributions with very little or no cost to the employee and employer.

Salary exchange is an agreement between employer and employee to exchange part of their gross salary for a tax free benefit, so employees will pay no tax and National Insurance Contributions (NIC) on that exchanged amount and in return you are able to give a non cash benefit such as increased pension contributions.
A challenge for employers has always been delivering effective, engaging regular communications with their employees around the benefits the company have invested in. Proper communication is not an add-on, it is a vital part of employee financial education to build trust and loyalty, retention and realising actual returns on your benefits investment.
Research & Development (R&D) tax credits rewards UK companies for investing in innovation, developing new products, processes or services or enhancing existing ones. A recent survey carried out by "Management today" highlighted that there was little or no awareness or understanding of the Governments Research & Development tax credits, who qualifies and how it can inject immediate cash into a business.
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