Social Prevention, tax optimisation schemes and pre-retirement schemes
Welfare, flexible remuneration, tax optimisation schemes and early retirements
Corporate social welfare is the actions that a company takes to ensure the well-being of its employees and their families.
Proper implementation is synonymous with well-being at work and through which companies find the necessary levers to attract and retain the best professionals in the sector.
3 blocks of solutions
Managers and owners
Protection. The maximum pension paid by the social security for these contingencies is €3,175.04 gross. Through this solution, companies can guarantee their executives a percentage of their salary in the event of death or disability.
Alternative remuneration systems. We build schemes that allow you to decide how to receive remuneration. This formula generates control over your personal income tax.
Family protocol for SMEs. We develop the structure that allows the surviving partners to preferentially acquire the shares that the heirs of the deceased would receive and thus anticipate a future problem.
Employees
Employment Pension Plans and Company Social Welfare Plans. With this measure, companies contribute to mitigating the economic loss that their employees will have when they have to retire. In addition, the contributions are deductible as an expense in the employees’ income tax and personal income tax.
Health Insurance. They increase disposable income through taxation, attract and retain the best talent and help reduce absenteeism.
Deferred remuneration systems. Closely linked to rewards for permanence, achievement of objectives or completion of projects. They help to retain talent and offer significant tax savings in IRFP as they are considered irregular income from work (30% reduction).
For companies
Pre-retirement and workforce restructuring. Through contingency plans you can plan your workforce to optimise financial costs and rejuvenate structures.
Cash surpluses. Usually a company’s investments need to meet 3 basic criteria: Security, Profitability and Liquidity. We help you select the most suitable solution for your needs with a wide portfolio of products.
Regulatory compliance. Most companies are obliged to have externalised commitments set out in collective agreements.
“Key person. It allows companies to have a contingency plan for the death/disability of a key person in the organisation.
Frequently asked questions
Have you ever asked yourself these questions?
Could I increase the salaries of my employees without incurring higher costs?
Affirmative. With a good implementation of a la carte remuneration you can offer your employees the possibility to increase their disposable income without the need for your company to increase costs.
As a manager, are there mechanisms that allow me to reduce the tax impact on my personal income tax return?
Indeed, there are different formulas that allow managers to achieve significant savings in their personal income tax. One of the most commonly used are pension commitments, which can also be implemented selectively.
I am having trouble retaining and attracting the best talent to my company - what can I do?
At PJ&MA we offer you a consultancy service to help you define and implement mechanisms that will help you retain and attract the best talent.
Can I force a worker to retire?
Unfortunately, the answer is NO. In Spain, retirement is a right but not an obligation. However, we can help you to set up systems that encourage your employees to retire when they can, according to their contributions.
How can I offer a dignified exit to an employee who has been with us all his life but is not being able to adapt to the new times?
Having to dismiss an employee who has been with a company for many years because he or she has not been able to adapt to the new times is always a very sensitive issue. Unfortunately, many companies opt for dismissal without considering the economic and social consequences for the employee who has given everything.
But… Can you imagine being able to design a system that would be beneficial for him and for your company? We are talking about early retirement. If you want to know more, do not hesitate to contact us.
How can making people close to retirement redundant affect the climate in my company?
Layoffs are always synonymous with uncertainty, concern and insecurity for employees who remain in the company but if these layoffs occur with people close to retirement generate even more tension in the work climate
and consequently loss of productivity and high turnover. Would you like to know how to deal with this situation and mitigate these risks? At PJ&MA we have the solution.
From an economic point of view, does it make sense for me to implement an early retirement system in my company?
In most cases, yes. But in order to be able to advise you correctly it is necessary to carry out a prior study of your company’s situation. We are here to help you. Contact us and we will explain how.
Take the first step in planning your financial future. Contact us today
If you have any questions or would like more information about our services, please do not hesitate to contact us.
Complete this form and one of our consultants will contact you as soon as possible.