How We Can Help Charities Backed and underpinned by our principles of "Ethical Financial Planning" we successfully care for through support and advice, a growing number of charities. Our understanding of this important Sector has helped charities grow and has underpinned value amongst staff through heightened appreciation of the organisation they work for.  Life many organisations the cost of recruiting and retaining valuable staff is great.  What if there were value based solutions that could keep your organisation running and add back appreciated value to staff? Charities are required to manage their assets effectively by the Charity Commission.  Ethical Financial Planning can help you effectively manage your financial resources and protect your key human resources. A good pension scheme is an important benefit to staff.  We can advise on Stakeholder and Personal Pension schemes.  These will be required by any organisation that employs five or more people and does not have a pension scheme in place. Similarly if a member of staff has an accident or illness that prevents them from working, a group income protection scheme will provide income to the charity that will enable them to pay the member of staff and in the event of death in service provide some financial support to the next of kin. Key person insurance protects your charity in the event of chief executive or other important personnel becoming critically ill, permanently and totally disabled or dying.  The insurance is designed to ensure the future of the charity is not affected by the absence of a key employee.  It allows provision to compensate for loss of income for the charity and the cost of recruiting and training a suitable replacement.  It can provide a lump sum to reassure funders, supporters and trustees. The Financial Services Authority does not regulate some long term insurance contacts.