Are you ready for the 2012 changes to work-place pension schemes?

You are cordially invited to our WBW breakfast seminar "Work-Place Pension Schemes in 2012"
At present UK employers are not required to contribute to their employees pension schemes. However, that is set to change from 2012. From 2012, as an employer, even if you employ just one person, you will be responsible for choosing a Qualifying Workplace Pension Scheme (QWPS) for your employees. It is therefore important that you have a good understanding of what is required of you and the choices available. At WBW we can provide you with detailed guidance to enable you to plan ahead for the changes affecting you, and to choose the best option for your business. The new legislation will affect both employers and employees. Why are the new rules being introduced? What is a qualifying Workplace Pension Scheme (QWPS)? When will the new rules come into force? Do all employees have to be auto enrolled? What are the minimum contribution levels under the new rules? Which pension schemes potentially could comply fully with QWPS requirements? How will the new rules affect retirement? What do you need to know in order to avoid employment tribunal claims? What happens if an employee dies before reaching pensionable age? How do we tax plan efficient with death benefits? OR 24 January 2012 RAMM (Exeter Museum), Queen Street, Exeter, EX4 3RX

Date: 17 November 2011 Venue: Dartington Hall, Totnes, TQ9 6EL Cost: No Charge, subject to advance booking Time:

8.30am registration, coffee and bacon rolls 9.00am 11.00am seminar 11.00am onwards Delegates will have the opportunity to tour the gardens at Dartington, or the recently renovated Exeter museum.

Who should attend? This presentation is designed for all employers. We also welcome any guests that you would like to attend with you.

About the Speakers Clive Weir has worked in pensions since 1980, having worked for product providers and advisers. He is an associate of the Pensions Management Institute, and the Personal Finance Society, and was one of the first financial planners in the country to be awarded the status of Chartered Financial Planner. Kerry Curd is an Associate Solicitor and Head of Employment at WBW Solicitors. She is experienced in advising employers on all aspects of employment law and defending employment tribunal actions. Malcolm Emery is Partner at WBW Solicitors and specialises in tax and trust planning work. He is dual qualified having trained and qualified as a Chartered Tax Adviser and a Solicitor.

RSVP to secure your place Are you ready for the 2012 changes to work-place pension schemes?
Five simple ways to book your place: Telephone: Fax: Email: Post: DX: 01626 202377 Fax this RSVP to 01626 202420 ljpaget@wbw.co.uk Post this RSVP to Lucy Paget at WBW Solicitors, Church House, Queen Street, Newton Abbot, Devon TQ12 2QP DX 59100, Newton Abbot

IMPORTANT - Please tick the box of the event you would like to attend Dartington Hall on 17 November 2011 RAMM (Exeter Museum) on 24 January 2012

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Seminar venue Full details of the venue, including a map, will be sent to delegates on registration. Acknowledgement of Registration If you have not received acknowledgement of your seminar registration one week before the seminar, please telephone us on 01626 202377 to confirm that your registration has been received.