Married and recycling

Delacorta

QrizB said:

Delacorta said:

xylophone said:

The current employer is a social enterprise we/ she set up 10 years ago that she takes a salary from (and is a Director of).  There is a NEST Employer pension scheme (other employees utilise it but she doesn't pay into it!).  I know!! This pension is employee contributions only (it is a small business really and can't afford employer contributions).

I am very puzzled by this.

Does your wife have a business accountant/ financial adviser?

It seems astonishing that she has missed the opportunity to make pension contributions.

My wife, how shall I put it, knows her own mind 😬!

Putting your wife's own tax & pension arrangements to one side for a moment, if her business is not paying employer's contributions to the employee's pensions (and the employees haven't all freely chosen to opt out) it's likely that the business is breaking the law.

No, don’t worry. My mistake replying in a hurry. Of course it’s the Employers contributions. Sorry 

Delacorta

Xylophone - thank you for that second link. I think there’s some scope there, but it’s not quite the same freedom of relationship with a business and profit with a social enterprise (with an asset lock).

She clearly needs to opt in again for the workplace pension and use this route.

Yes we do both have state pension forecasts.