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About Us

Low Cost Auto enrolment Ltd was formed in order to help companies deal with the complex and often lengthy business of Auto enrolment and ensuring that all Employers deal with their workplace pension obligations.

The people behind the company, Paul Ginley and David Cater have over 40 years of experience working in the financial services sector, with over 20 of these years in the Commercial sector, looking after the needs of businesses, anything from a one man band, to multi million pound turnover businesses employing hundreds of staff.

They are therefore well versed in the world of pensions and the setting up of company pension schemes for Employers, including Auto Enrolment schemes.

Low Cost Auto enrolment is here to help the millions of Employers, who don’t have either the time or expertise in setting up their Workplace pensions in an efficient, quick and affordable manner.

 

Advisers

Paul Ginley - Dip PFS - Independent Financial Adviser

Paul has been providing clients with bespoke financial advice for the last 17 years.  Paul started his career with Midland Bank in 1988 and working throughout with HSBC until 2011.  Paul was the founding member of Torbay Financial Services in 2011.  He has been dedicated to giving highly individual advice that is entirely focused on his clients' specific circumstances and needs. By always ensuring he is aware of the ever-changing developments within the financial services industry he has been able to offer the most suitable products combined with tailored advice to his clients.

 

Contact Paul Ginley

Paul Ginley Image
 

 

 

David Cater - Dip PFS - Independent Financial Adviser

David has been providing clients with bespoke financial advice for the last 27 years. Starting out at the Prudential, he moved to the then Halifax Building society and onto to HSBC Bank before going fully independent in 2011 to form Vine Financial Solutions Ltd. 

David is dedicated to giving highly individual advice that is entirely focused on clients' specific circumstances and needs. By always ensuring he is aware of the ever-changing developments within the financial services industry he can offer the most suitable products combined with tailored advice to his clients.

 

Contact David Cater

David Cater Image
"What my clients expect of me is an objective, professional and efficient service that is delivered with a personal touch. I believe that the key to successful advice is creating a trusting relationship with my clients so that I can provide financial advice that is altogether individual."
 

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Simple,
affordable,
workplace pensions

David Cater - Dip PFS -
Independent Financial Adviser

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Helpful,
workplace
pension advice

Paul Ginley - Dip PFS -
Independent Financial Adviser

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