ARE YOU READY ? EMAIL brianboyd.thefinancialfactory@live.co.uk Upcoming dates PAYE Scheme Size Staging Date 60 1 Oct 2014 59 1 Nov 2014 58 1 Jan 2015 54-57 1 March 2015 50-53 1 April 2015 40-49 1 August 2015 30-39 1 October 2015 Fewer than 30 1 June 2015 - 1 April 2017 Employers without PAYE 1 April 2017 New employers 1 May 2017 - 1 Feb 2018

1. Auto enrolment
on auto pilot.
A unique solution for you and your employees.

2. What is
Auto Enrolment?

3. It’s a Government scheme
where every employee
(who is eligible) is opted
into a work based pension
scheme to save for
their retirement.

4. Your company is required to
contribute to the scheme as
well as the employee.
Government tax relief will
also boost contributions.

5. Employee pays
Minimum 0.8% of
qualifying earnings
rising to 4% by 2018.
Employer pays
Minimum 1% of
qualifying earnings
rising to 3% by 2018.
Government pays
0.2% of qualifying
earnings rising to
1% by 2018.
How it works:

6. Find out your staging date:
Upcoming dates
PAYE Scheme Size Staging Date
60 1 Oct 2014
59 1 Nov 2014
58 1 Jan 2015
54-57 1 March 2015
50-53 1 April 2015
40-49 1 August 2015
30-39 1 October 2015
Fewer than 30 1 June 2015 - 1 April 2017
Employers without PAYE 1 April 2017
Auto enrolment
began in 2012 with
large companies
and will affect all UK
businesses by 2018.

7. Your responsibilities:
• Set up a qualifying auto enrolment scheme
• Establish which of your employees are eligible
• Communicate with all employees
• Choose a pension provider with a default
investment fund

8. You need to consider:
• How long will the scheme take to set up?
• How much does the scheme cost me and
my employees?
• How easy is the scheme to use?
• Is this the best solution for my employees?

9. Who is eligible?

10. Employees must be auto enrolled
and begin to make contributions to
your work based pension if they:
Earn more than
10k per year Work in the UK
Your employees who fall outside these criteria can choose to join a work based pension scheme.
Are aged
between 22 and
State Pension Age

11. Why work
with us?

12. The True Potential LLP group
of companies is one of the
fastest growing financial
services and technology
firms in the UK.

13. We are a well respected
financial force who provide
investments, technology and
support services to 22% of
all UK Financial Advisers
and their clients.

14. Key facts about the
True Potential group
of companies:

15. Administrators of
£88bn of assets
on behalf of True
Potential end clients.
(as of 31 December 2013)
The Group had a
turnover of £27.5M
for 2013, an increase
of 112% on the
previous year
Net profit for 2013,
increased by 47%
over 2012 (£5.3m)

16. Launched a first-of-
its-kind impulseSave®
investment top-up
technology to the
public in March 2014.
There are over
18,000 users and
32,000 private
clients using our
single intergrated
wealth platform.
(As of 31 December 2013)
One of 74 UK
companies to apper
withing the Deloitte
Technology Fast 500
EMEA for 2013.

17. Why do employers choose
True Potential Investor
for auto enrolment?

18. Employer benefits:
• Qualifying auto enrolment scheme
• Free to employers
• Easy to use
• Easy to set up

19. Qualifying auto enrolment scheme:
• Our auto enrolment scheme has a default L&G
‘balanced’ fund that meets the Government’s
pricing criteria
• You can also choose from a range of five risk-
based L&G funds to suit your employees, all
under the Government’s price cap

20. Simple setup:
• You receive a one-to-one service to seamlessly
intergrate the new system
• Set up your scheme to suit your business
and employees

21. Easy to manage:
• The system helps you, or your accountant, stay
on top of your auto enrolment obligations with
alerts and messages when you need to act
• After you’re set up, our dedicated support team
is here to help with any questions

22. Mr J Smith
1 Random
House
Durham
DH7 7ZK
Dear [insert name]
To help people save more for their retireme
nt, the governm
ent now requires
all employe
rs in the public
and private sector to enrol eligible
workers
into a qualifyin
g workplac
e pension
scheme.
To comply
with the new legislatio
n, all eligible
workers
will be enrolled
. We are enrolling
you into the
What does this mean for you?
[Employ
ers name] and you will both pay into it every month. The paymen
ts into your pension
will be
taken directly
from your monthly
pay and will include
your contribu
tions including
tax relief and our
contribu
tion as follows:
• Our contribu
tions of [insert exact percenta
ge].
• Your contribu
tions of [Insert exact percenta
ge].
• You can choose
to opt out of the Scheme
if you want to but if you stay in, you will have your own
pension
which you get when you retire.
• You will receive
tax relief on your contribu
tions.
• Your pension
belongs
to you, even if you leave our employm
ent in the future.
What you need to do now?
This depends
on what you want to do. You have two options:
1. If you want to join the pension
scheme
on [insert Auto Enrolme
nt date], you don’t have to do anything
and your persona
l details will be passed on to True Potentia
l.
2. If you do not want to join the pension
scheme,
you can opt out from [insert start date of opt out
period].
You cannot opt out until after you have been enrolled
into the scheme.
The end date of your opt
out period will be either one month or three months
later, dependi
ng on the scheme
rules and the Auto
Enrolme
nt Regulati
ons 2010.
Yours sincerely
[Insert name of signator
y]
a b c
Because there aren’t enough of us saving for our retirement the Government have launched a
new scheme called auto enrolment. The initiative means that every employee (who is eligible) is
automatically
opted into a work based pension. It’s an excellent way to grow your savings because
not only do you contribute yourself, so does your employer while the Government tax relief also
boosts contributions
which makes for greater savings and a far brighter future.
Powered by
If you’re in, you’re infor a nice surprise.
Auto enrolment is coming.
Because
there aren’t enough
of us saving
for our retirement
the Governme
nt have launched
a
new scheme
called auto enrolment
. The initiative
means
that every employee
(who is eligible)
is
automatic
ally opted into a work based
pension.
It’s an excellent
way to grow your savings
because
not only do you contribute
yourself,
so does your employer
while the Governme
nt tax relief also
boosts
contributio
ns which makes
for greater
savings
and a far brighter
future.
Powered
by
If you’re in, you’re infor a nice surprise.Auto enrolm
ent is coming.
Because there aren’t enough of us saving for our retirement
the Government
have launched a
new scheme called auto enrolment.
The initiative means that every employee
(who is eligible) is
automatically
opted into a work based pension. It’s an excellent way to grow your savings because
not only do you contribute
yourself, so does your employer while the Government
tax relief also
boosts contributions
which makes for greater savings and a far brighter future.
Powered
by
Join the people saving
for a better future.
Auto enrolment
is coming.
• The system generates all mandatory
communications for you
• All employee documents are stored in your
employees’ online account
Employee communication:

23. How the scheme will
benefit your employees

24. True Potential Investor
gives your employees a
online account to track
and manage their pension
fund 24/7.

25. Your employees can:
• Choose a target retirement date
• Set a realistic goal amount for their pension
using our income calculator
• Choose from a range world-class investment funds

26. Your employees can:
• Track their pension 24/7 online or via our mobile
and tablet apps

27. • Decide how much risk they are willing to take
• Top-up their pension from £1 at any time using
our first-of-its-kind impulseSave® feature
Your employees can:

28. Employer site demonstration:

29. What’s next?
• Any questions?
• Agree and sign the service contract
• Implementation team will be in touch to
guide you through setup
• Register with ‘The Pensions Regulator’ no later
than five months after your staging date

30. Disclaimer
Your capital is at risk, investments can fluctuate in value and investors may not get the amount back they
initially invest. Past performance is not a guide to future performance. Tax rules can change at any time.
TPI Pension eligibility and tax rules apply.
True Potential Investor is a trading name of True Potential Investments LLP which is authorised and regulated
by the Financial Conduct Authority. FSR no 527444. Registered in England and Wales
No OC356027. www.fca.org.uk.
True Potential Investor and this website together with the relevant documents do not represent personalised
advice and is not confirmation that any of the products/funds match your financial requirements. If you should
have any doubt about whether something meets your needs you should seek financial advice in order that
your individual circumstances can be considered. If you do not already have an adviser, financial advice is
available from our sister firm, True Potential Wealth Management.
Registered Head Office: Newburn House, Gateway West, Newburn Riverside, Newcastle upon Tyne, NE15 8NX
London Office: 42-44 Grosvenor Gardens, Belgravia, London, SW1W 0EB.