Workplace Pensions

Independent financial advice that works for you.

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Team-based across Scotland.
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Workplace Pensions Made Simple

UK law requires every employer to automatically enrol eligible employees into a pension scheme and contribute on their behalf.

For many SME owners, navigating auto-enrolment obligations, choosing the right provider, and managing ongoing compliance can feel overwhelming.
At AC Wealth, we take the complexity out of workplace pensions - whether you're setting up your first scheme, reviewing what you have, or ensuring you're meeting your legal duties without unnecessary cost.
AC Wealth Services Financial Advice Scotland

Your Legal Obligations

Employees fall into three categories based on age and earnings, each with different employer responsibilities. 
You'll need to:
  • Automatically enrol eligible workers into a qualifying pension scheme
  • Make minimum employer contributions
  • Maintain detailed records and submit regular reports to The Pensions Regulator
  • Communicate clearly with employees about their pension rights
  • Getting this wrong can result in penalties - but getting it right doesn't have to be complicated.

    How we help businesses with their workplace pensions

    Setting Up Your Scheme

    We'll guide you through the entire process, from selecting the right pension provider to implementing the systems and processes you need for ongoing compliance.

    The earlier you start planning, the more options you'll have and the smoother your implementation will be.

    Choosing The Right Provider

    The pension provider market keeps changing, as do the costs involved.

    But providers aren't interchangeable. They differ in:
  • Scheme structure and flexibility
  • Contribution options
  • Investment choices and fund ranges
  • Online platforms and employee tools
  • Charges and value for money
  • Support for employers and employees
  • As independent advisers, we work across the market to find the provider that genuinely fits your business - considering your employee demographics, contribution structure, and costs.

    Ongoing Management & Review

    Ongoing Management & Review Workplace pensions aren't a "set and forget" benefit. 
    We provide:
  • Regular scheme reviews to ensure you're getting value
  • Compliance support and record-keeping guidance
  • Employee communication and education
  • Help managing costs as your business grows
  • Managing Your Costs

    Yes, auto-enrolment increases operational costs. But the decisions you make now - about provider choice, contribution strategies, and scheme design - will significantly impact those costs long-term.

    We'll help you find the balance between meeting your legal duties, managing expenses, and offering a pension scheme that genuinely helps you attract and retain good people.

    Already have a Scheme?

    If you're concerned about:
    Whether your existing scheme still represents good value
    Compliance with current regulations
    Employee engagement and understanding
    Rising costs or administrative burden
    We can conduct an audit and provide clear recommendations on whether to stick, switch, or enhance what you have.
    Speak to Us

    Common Questions

    Ongoing Management & Review Workplace pensions aren't a "set and forget" benefit. 
    Minimum contributions are currently 3% employer, 5% employee (8% total). Many businesses contribute more to stay competitive.
    Your existing scheme may need reviewing to ensure it meets legal requirements. We can assess this for you.
    With proper planning and the right provider, most SMEs find workplace pensions manageable - and beneficial for recruitment and retention.

    Our people

    We have a great team of qualified professionals available to support you with your plans. We are always keen to hear from anyone who might be interested in joining our team. Find out more here.
    Jen Paice CEO AC Wealth
    Alan Davidson Director and Financial Planner AC Wealth Aberdeen
    Joyce Duguid Employee Benefits Admin Manager AC Wealth
    Jen Paice CEO AC Wealth
    Alan Davidson Director and Financial Planner AC Wealth Aberdeen
    Joyce Duguid Employee Benefits Admin Manager AC Wealth

    Ready to get your workplace pension sorted?

    Book a Consultation
    Copyright © 2026 Aberdein Considine Wealth Ltd (AC Wealth)
    1st Floor, Blenheim House, Fountainhall Road, Aberdeen, AB15 4DT
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    Aberdein Considine Wealth Ltd (AC Wealth) is authorised and regulated by the Financial Conduct Authority, FRN 1012486. Company number SC720631. The FCA does not regulate tax planning, Wills or Trusts. The value of investments can fall as well as rise. The information on this site is intended to be of general interest only and should not be considered as an offer, investment recommendation or solicitation, or advice to engage with any financial instruments. This website is intended for UK audiences only.
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