Financial

Smart saving and spending

Use savvy finance options to help you take control. Whether you need practical tools, advice or some inspiration for what to focus on, there’s plenty of support on hand.

Check out the options below!

  • Spend on what matters to you – budgeting may sound boring! But taking control of your money means being able to save for a dream holiday or treats for the kids. Use the free My Eva digital financial adviser to help manage your money.
  • Take control of your pension savings – paying into the Ricoh Flexible Retirement Plan makes good financial sense. Ricoh will pay in the same as you up to 5% of your salary (essentially free money). And because pension is a tax efficient way to save, money that would have been paid as tax will go towards your pension instead. Check out the pension planner to see what works for you.
  • Understand your pension options – pension freedoms mean you can choose a combination of income and cash and can take it from age 55. Find out more here.
  • Your income is protected if you can’t work – if you’re ill or injured longer term and unable to work, income protection automatically provides core cover so a portion of your salary would be paid to you. You also have the option to pay for more cover.
  • Security for loved ones should the worst happen – life cover will leave your family or beneficiary a sum of money to help them along if life takes an unexpected turn.
  • Financial support during hard times – if you fall critically ill, critical illness cover will provide a cash sum to alleviate any worries about financial commitments while you are recuperating.
  • Plan for the future - use Will writing to get professional help with your Will and make sure your assets go to the people you love.
  • Help is at hand – if you’re facing an issue with your finances and need some expert advice the employee assistance plan (EAP) will save you time and worry. Call 0800 072 7 072 for help, no matter how big or small the challenge.
  • Enjoy some discounts – whenever you’re thinking of spending, instead of using google to look for ideas use Elements Everyday. Once you’re in the habit of checking on our discounts site the savings will start to add up. To find out more, click here then go to 'Discounts'.
  • Smart saving is on hand – use the workplace ISA, available at any monthly window through Elements, to invest in stocks and shares in a flexible, easy to use and tax-efficient way.