Pensions

Pension news for Financial Advisers and Paraplanners - Defaqto: Professionals’ guide to drawdown 2019/20

Pension freedoms has brought drawdown to the masses, and moved existing pension savings from a source of income in retirement to a financial planning vehicle. more...

Pension news for Financial Advisers and Paraplanners - FundsNetwork: The State Pension: two separate systems

The State Pension is an important consideration when managing a client’s overall income in retirement. Here FundsNetwork examine the differences between the old and new State Pensions and the options open to clients should they wish to boost their entitlement by deferring their State Pension. more...

Pension news for Financial Advisers and Paraplanners - Aegon: DB transfer advice – FCA’s next steps

On 19 June, the FCA published some new data on the defined benefit transfers market. This was accompanied by a strongly worded media comment with the FCA saying it was ‘deeply concerning and disappointing’ to see the high proportion of recommendations to transfer, bearing in mind it has repeatedly said advisers should start from the position that a transfer is not suitable. Here we summarise the FCA findings and key points for advisers. more...

Pension news for Financial Advisers and Paraplanners - Defaqto: Pension service review shows mixed bag with the performance of providers

Since 2005 we've been conducting service satisfaction surveys across different product areas to collate advisers’ views on the service they receive from product providers. more...

Pension news for Financial Advisers and Paraplanners - Aegon: Trends in investment strategies and portfolio building uncovered

We’re seeing significant changes in how people invest: auto-enrolment has created millions of new savers; there’s an increasing reliance on defined contribution pensions; and pension freedoms legislation means many more remain invested during retirement. more...

Pensions News for Financial Advisers and Paraplanners - Defined benefit hub

Take a look at our new dedicated DB hub to see how our DB support material can help you. We’ve developed and adapted our support material to highlight the important areas to consider before deciding if a transfer may be suitable for your clients. more...

Pension news for Financial Advisers & Paraplanners - Defaqto: Master trusts have to shape up

Over 1m employers and 10m employees are now using workplace pension schemes. Opportunities for advisers have been created by the new standards for master trusts and the triennial re-declarations of compliance every employer must complete. more...

Pensions News for Financial Advisers and Paraplanners - Royal London: Reaching age 75: our top five frequently asked questions

We look at reaching age 75 in the latest in our series of top five FAQs on pensions technical topics. more...

Pension news for Financial Adviser and Paraplanners - Royal London: Finances and finding ‘the one’ later in life

We look at how a change in relationship status later in life can impact financial planning for your clients. more...

Pension news for Financial Advisers & Paraplanners - Aegon: Nervous investors need advice four years into pension freedoms

Our research finds 74% of retirees' assets are being invested in drawdown, but many worry about running out of money and are unsure how to navigate their retirement options. more...

Pensions News for Financial Advisers and Paraplanners - FundsNetwork: The lifetime allowance: the devil’s in the detail

Even though the lifetime allowance (LTA) may have been introduced as part of ‘pension simplification', back on A-Day in April 2006, given the constant tinkering it has seen over the years, LTA planning can be far from simple. In his latest article, Paul Squirrell, FundsNetwork’s National Pensions Sales Manager, covers the principles of the lifetime allowance, the protections available and the tax charges. more...

Pensions News for Financial Advisers and Paraplanners - Aegon: Increase in the lifetime allowance - advice issues and opportunities

On 6 April 2019 the SLA increased from £1.03 million to £1.055 million. While this increase is small, it provides a large number of advice issues to discuss with impacted clients. more...

Pensions News for Financial Advisers and Paraplanners - Aegon’s IGC publish its 2019 annual report – delivering for Aegon’s workplace pension customers

Our Independent Governance Committee (IGC) have just published their fourth annual report. As the needs of customers evolve our IGC continues to set challenges to make sure we maintain a complete picture of performance in all the key areas of value for money. The report summarises what the IGC have investigated and found, their recommendations, how we responded and, importantly, what this means for customers. more...

Pension news for Financial Advisers & Paraplanners - FundsNetwork: The State Pension – the new vs. the old

The State Pension is an important consideration when managing a client’s overall income in retirement. Here FundsNetwork examine the differences between the old and new State Pensions and the options open to clients should they wish to boost their entitlement by deferring their State Pension. more...

Pensions News for Financial Advisers & Paraplanners - FundsNetwork: The annual allowance charge – Scheme Pays

In his new postcard, Paul Squirrell of FundsNetwork provides a step-by-step approach to calculating clients’ annual allowance charges, including two case studies. He also explains the two types of Scheme Pays, mandatory and voluntary and the process and deadlines for Voluntary Scheme Payments which are available with the FundsNetwork Pension. more...

Pension news for Financial Advisers & Paraplanners - Prudential: Did you know…?

When inheriting pension death benefits could be better planned. Jacqueline Clezy, Technical Manager at Prudential goes into more detail. more...

Pension news for Financial Advisers & Paraplanners - Aegon: FCA increase FOS compensation limit to £350,000

Steven Cameron, Pensions Director at Aegon, shares his thoughts on the implications for advice on defined benefit (DB) transfers. more...

Pension news for Financial Advisers & Paraplanners - Prudential: Are Doctors in the NHS pension scheme misdiagnosing their pension?

The press is having a minor epidemic of commentary about doctors retiring early to avoid Lifetime Allowance (LTA) and/or Annual Allowance (AA) charges but, the thing that concerns me about this is, are they diagnosing the problem correctly? more...

Pensions Update for Financial Adviser and Paraplanners - FundsNetwork: Pension lifetime allowance

FundsNetwork’s guide covers the key aspects of the pension lifetime allowance more...

Pension news for Financial Advisers & Paraplanners - FundsNetwork’s technical content all in one place

This toolkit brings together a range of topical areas which have been popular with advisers and paraplanners in recent months. The electronic document has been set up to allow you to easily navigate to the content of most interest to you. more...

Pension news for Financial Advisers and Paraplanners - Prudential CPD Compilation – Lifetime Allowance

A top reason advisers use Prudential’s website is to find information about Lifetime Allowance (LTA). Although the LTA has increased to £1,055,000 from 6 April 2019, many members have pension funds above this level and could be subject to LTA excess tax charges. Here's a quick reminder on LTA while earning structured CPD. more...

Retirement news for Financial Advisers & Paraplanners - Legal & General - A guaranteed income with flexibility?

How can you help your clients achieve financial security while adapting to their changing needs and goals in retirement? Our latest article discusses this challenge, and how the new partial withdrawal feature on our Fixed Term Retirement Plan could help. more...

CPD update for Financial advisers and Paraplanners - Royal London: We’ve launched our Pension CPD hub

To help you meet the challenges of the Insurance Distribution Directive (IDD) - which requires everyone selling insurance to do at least 15 CPD hours per year - we’ve created a CPD hub. more...

Pension news for Financial Advisers and Paraplanners - Royal London: British Steel Pension Scheme independent review

Justin Corliss looks at the recent independent review of the British Steel Pension Scheme restructure. more...

Pension News for Financial Advisers and Paraplanners - Defaqto: Pension service review 2019

This independent publication provides financial advisers with insight to help them benchmark their own personal experiences of individual pensions providers with those of their peers, enabling them to select partners based on service criteria. more...

Pensions news for Financial Advisers & Paraplanners - Royal London: How sustainable income levels can protect portfolio strength

Taking a sustainable level of income is important in helping drawdown customers maintain a resilient portfolio during periods of investment volatility. more...

Pension News for Financial Advisers and Paraplanners - FundsNetwork: Explaining how pension withdrawals are taxed

To aid your client conversations, download FundsNetwork’s guide 'Explaining how pension withdrawals are taxed'. more...

Pensions news for Financial Advisers & Paraplanners - Old Mutual Wealth: Carry forward and tapering. What are the key considerations?

I find the carry forward rules for the pensions allowance confusing, especially for clients who are subject to tapering. What are the key considerations? more...

Pension news for Financial Advisers and Paraplanners - Aegon: Using salary sacrifice to put a priority on pensions

Back in 2017, the government reduced the number of employee benefits that would have previously attracted tax savings when arranged through salary sacrifice schemes. more...

Pension news for Financial Advisers and Paraplanners - FundsNetwork: Annual allowance and utilising carry forward

To help your clients understand the importance of maximising their pension contributions, check FundsNetwork’s factsheets on annual allowances and carry forward. You will also find information for clients who are affected by the tapered annual allowance, explaining how this is calculated and what happens if the allowance is exceeded. Visit FundsNetwork’s tax year end hub and select the ‘Pension’ tab. more...

Tax Trust and ISA news for Financial Advisers and Paraplanners - Old Mutual Wealth: Five tax tips that demonstrate the value of advice

Never has it been more important to clearly demonstrate the value of advice. Peace of mind is hard to quantify. The amount of tax saved is not. more...

Pensions News for Financial Advisers and Paraplanners - FundsNetwork’s lifetime allowance technical guide

Lifetime allowance (LTA) planning has undergone a range of changes over the years. FundsNetwork’s technical guide covers the key aspects, such as transitional protection, enhancements and reductions, test trigger events and the LTA charge. more...

Pension news for Financial Advisers and Paraplanners - FundsNetwork: Pension considerations – a step-by-step approach

Calculating pension allowances for your clients, particularly at this time of the year, can be highly complex. FundsNetwork’s tax and pension experts, Paul Kennedy and Paul Squirrell, discuss how taking a step-by-step approach to identifying different client circumstances, can help to highlight important considerations. more...

Pensions News for Financial Advisers and Paraplanners - Aegon: Using salary sacrifice to put a priority on pensions

Back in 2017, the government reduced the number of employee benefits that would have previously attracted tax savings when arranged through salary sacrifice schemes. more...

Pensions News for Financial Advisers and Paraplanners - Aegon: An update on the lifetime allowance

The standard lifetime allowance (SLA) sets a limit on the amount of pension benefits that can be paid to an individual, by way of lump sums or retirement income, without triggering an additional tax charge. more...

Pension News for Financial advisers and paraplanners - Aegon: The standard lifetime allowance

The standard lifetime allowance (SLA) sets a limit on the amount of pension benefits that can be paid to an individual, by way of lump sums or retirement income, without triggering an additional tax charge. more...

Pension Webinar for Financial Advisers & Paraplanners - Old Mutual Wealth: Making the most of the pension funding tax breaks

The tax advantages associated with registered pension schemes can be enormously beneficial in helping members to secure their financial future. more...

Retirement events for Financial Advisers & Paraplanners - Legal & General Home Finance Breakfast Roundtables - Using Property Equity for Income

Join our product specialist, Amy Mulvey and our Head of Adviser Sales, Rob Miles at one of six locations, to discuss how you can help shape your clients’ portfolios by utilising their property equity for income. more...

Pension & ISA tools for Financial Advisers & Paraplanners - FundsNetwork: Your pension and ISA resources in one place

FundsNetwork™ has launched a dedicated support zone that includes a wide range of useful materials for this time of the year. It provides resources to help planning and aid client discussions, so that they can utilise valuable pension and ISA allowances. more...

Pension news for Financial Advisers & Paraplanners - FundsNetwork: Annual allowance and utilising carry forward

To help your clients understand the importance of maximising their pension contributions, check FundsNetwork’s factsheets on annual allowances and carry forward. You will also find information for clients who are affected by the tapered annual allowance, explaining how this is calculated and what happens if the allowance is exceeded. Visit FundsNetwork’s tax year end hub and select the ‘Pension’ tab. more...

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