COVID-19 Notice: Thomas Carroll remain committed to putting our clients at the forefront of what we do. In light of Caerphilly county being placed under local lockdown from 6:00pm on 8th September 2020, we wanted to remind you that we are fully operational whilst working from home, so that we can continue to provide the same quality service that you normally enjoy from our team. To find a contact number for a member of our team, please click here.

Visit our COVID-19 risk management updates and advice hub here. If you’re in business, we have produced a number of guides, checklists and templates to help with your return to work preparations and ensuring your workplace is safe for your employees in these challenging times.


When setting your business aside from competitors, an attractive pension scheme is high on the list of recruitment expectations.

Under the Pensions Act 2008, every employer in the UK must enrol certain employees into a pension scheme and contribute towards it. It is important for employers to understand their role in running a good quality pension scheme and the different duties involved depending on the type of scheme that you have.

Despite the introduction of auto enrolment, other types of pension scheme continue to run, particularly those for management and executive employees. Thomas Carroll have specific expertise around complex schemes and can offer a personal financial planning service to your key employees.

Defined benefit pension schemes provide retirement benefits that are based on earnings and the length of time that you have been a member of the scheme. Each pension scheme defines what is meant by ‘earnings’. This may not be the same amount that is shown on a pay slip.

Pensionable earnings may not include payments you receive, such as overtime, commission, bonuses or other benefits.