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Planning Solutions

Pen and cards

Furloughed income, salary sacrifice and auto enrolment

This article looks at the relationship between the governments Coronavirus Job Retention Scheme plan and salary sacrifice and grants for the employer for AE payments.
Overlooked pension points

Commonly overlooked points in pensions

A series of brief one line reminders to some of the popularly overlooked pension points.
Completing forms

Non auto-enrolment funding options

People overlook pension funding options which may be available to higher earners without breaching the auto-enrolment rules. Here we look at a pre A-Day concept applying to the new pension regime and funding.
Child money

Lifetime Allowance and Pension options part 1

This article discusses the effects of the reduction in the Lifetime Allowance and the options available under pensions.

Lifetime Allowance and Pension options part 2

This article discusses the effects of the reduction in the Lifetime Allowance and the alternative savings options other than your own pension.
Couple meeting adviser

Divorce and Pension Sharing Process in the UK

Prior to 1 December 2000, couples getting divorced in the UK had the option when considering their pension funds of either offsetting their pension benefits against other assets in their estate or applying an earmarking order. Both of these methods can have drawbacks for both parties.
Playing chess

Planning to protect your pension - PoA

There are many issues within pensions that need decisions to be made and require a full understanding - something that some may not be capable of as they get older and/or lose mental faculty.
Pen and cards

Bankruptcy and pension scheme benefits

This article outlines the impact on an individual’s pension benefits if they are declared bankrupt.
Handing over papers

Pension rules: Care and State benefits

State benefits and care home fees can be affected by how and when pensions are taken - and even if they are not taken. This article looks into some of the effects the new pension legislation could have on these benefits.
Man opening safe

Opening retirement income options

Phil Carroll runs through a worked example detailing how you can efficiently supplement a client’s retirement ‘income’ through other tax wrappers.

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