Elaine Tarver

Pension Professional providing information and help to Individuals, Employers , Trustees and IFAs

Pension Professional providing information and help to Individuals, Employers , Trustees and IFAs Photo

Are you an individual looking to understand how to make the most of your opportunities for saving for later life and what you can expect when you want to work less or do something different?

Are you about to employ someone in your business for the first time needing to understand your pension auto enrolment obligations that start as soon as your new employee starts work.

Are you a Trustee looking for a truly independent secretary to enable you to concentrate on your important responsibilities sure in the knowledge that you are being supported in a structured way.

Are you an IFA looking for expertise in defined benefit pension arrangements or looking to outsource the preparation of transfer analysis reports and suitability reports for potential transfers from defined benefit arrangements to an experienced knowledgeable person?

My expertise is in pensions. I have over 35 years experience within an in house pensions department and third party pension administrator. During that period I have been pension consultant and secretary to the trustee for many schemes both defined benefit and defined contribution ranging in size from less than 100 members to over 30,000 members. Member experience and communication was a very important part of that role as was supporting the Trustee as Secretary.


I can help with information including but not exhaustively :

  • what state pension you can expect and how to find out
  • what are the advantages and disadvantages of saving through a pension arrangement
  • how to find and understand what you already have
  • options available to you



When you take on your first employee your  auto- enrolment duties start immediately.  The help you may need will depend on your particular circumstances, what you want to achieve, your workforce, what if anything you have in place already and how you manage your payroll and HR support.

I can help you with as much or as little of the set up process that you feel you need beginning with a no obligation free of charge initial chat to help you determine what you do need and a free checklist of what needs to be done.

For Directors employers pension contributions are an allowable business expense and hence a tax efficient way of taking money out of the business.



You would be supported by an experienced independent secretary providing you with an agendas and meeting papers with clarity on the decisions you need to make. Following the meeting detailed accurate minutes would be provided together with points of action that would be followed up for you. An annual working agenda providing a governance structure would complete the picture leaving you free to discharge your duties efficiently.


I can offer an independent review of information provided by trustees in respect of members final salary/ defined benefit pension arrangements which would include highlighting missing information , queries on the information provided and areas requiring further consideration.

I could work with you as part of your transfer process to provide a draft suitability report and TV analysis report based on your recommendations. such reports are fully comprehensive enabling you to discuss with the member in detail the benefits being given up on transfer compared to the proposed recommendations.   This would free up your time to concentrate on your area of expertise.


Fellow of the Pensions Management Institute, Committee member of the Pension and Lifetime Savings Association Yorkshire group, Member of the Pensions Consultative Committee of Telent.

If you would like a free no obligation chat to discuss your circumstances and to see whether I may be able to help or to point you in the right direction please drop me an email at elaine.tarver@millpensions.co.uk  or give me a call on 0771 275 1336 .

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