A clearly communicated, highly effective benefit and renumeration strategy can play a key role in your ability to recruit and retain top quality team members.

We spend time fully understanding your business to determine how a cost-effective strategy can fit with your plans before making a recommendation.

You will have access to advice from a range of product providers, carefully selected and monitored by St. James's Place.

This includes advice on the following elements:

• Online total reward statements - helping your employees to understand and appreciate the cost of the benefits you provide.
• Flexible benefits - allowing employees to create a benefits package that meets their own individual needs.
• Salary sacrifice arrangements - facilitating employee access to tax efficient benefits while at the same time reducing employers' National Insurance costs.
• Private medical insurance - for your employees' health and well-being, reducing their absence from work while waiting for medical treatment.

Group Life, Income Protection and Critical Illness

These are important benefits that not only form a key part of a comprehensive employee benefits package but also enable you to manage your business more effectively by:

• Providing you with the means to financially support your employees and their families at a particularly difficult time.
• Allowing you to recruit temporary employees.
• Providing access to a range of rehabilitation services, employee assistance programmes and absence management services.

The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances.