Pension planning

Our dedicated team of tax, trusts and pensions specialists are experts in their chosen fields, and provide analysis and comment on developments and practice in the financial services marketplace. They can identify planning opportunities that could benefit your clients and help you build your business.

Corporate pension planning

We help you identify the retirement and tax planning opportunities around directors' pensions and workplace pension schemes.

Contributions and tax relief

We consider pension contribution and tax relief planning opportunities using individual and group pension schemes.

Automatic enrolment support

Employers face the challenge of complying with their duites under automatic enrolment. As part of its initiative to increase technical support to advisers active in the corporate pensions market, Financial Planning has produced a new range of factsheets. Find out more about these and the range of support available to you and your clients here.

Retirement income and planning

Covering aspects of longer term pension planning, including retirement age and benefit crystallisation, tax-free cash and income options, pensions and divorce, triviality, ill-health and more.

Transfer and switches

We explore a range of pension transfer and switch related topics. Plus we've a suite of sales aids and tools to assist you in the decision process and in meeting the regulator's conduct of business expectations.

Regulation and legislation

Keep up to date with opportunities and information arising from the latest changes to pension regulation and legislation, including RDR and pension reform.

Death benefit and trusts

Take a close look at how you can help your clients plan for the most appropriate use of pension scheme death benefits, if the worst should happen.

Gender neutral pension annuity pricing

The latest on gender neutral pension annuity pricing

FAQs

View the frequently asked questions and answers.

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Scottish Widows plc. Registered in Scotland No. 199549. Registered Office in the United Kingdom at 69 Morrison Street, Edinburgh EH3 8YF. Telephone: 0131 655 6000. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 191517.

Scottish Widows Unit Trust Managers Limited. Registered in England and Wales No. 1629925. Registered Office in the United Kingdom at Charlton Place, Andover, Hampshire SP10 1RE. Tel: 0845 300 2244. Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 122129.

Clerical Medical Investment Group Limited. Registered in England and Wales No. 3196171. Registered office in the United Kingdom at 33 Old Broad Street, London EC2N 1HZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 181655.

CMI Insurance Company Limited. Scottish Widows is a trading name of CMI Insurance Company Limited. CMI Insurance Company Limited, registered in Isle of Man number 33520. Registered office in the Isle of Man at Clerical Medical House, Victoria Road, Douglas, Isle of Man, IM99 1LT.

HBOS Investment Fund Managers Limited, registered in England number 941082. Registered office in the United Kingdom at Trinity Road, Halifax, West Yorkshire HX1 2RG. Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 119223.

St Andrews Life Assurance plc, registered in England and Wales number 3104670. Registered office in the United Kingdom at 33 Old Broad Street, London, EC2N 1HZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 189101.

Scottish Widows Bank plc, registered in Scotland no. 154554. Registered office in the United Kingdom at PO Box 12757, 67 Morrison Street, Edinburgh EH3 8YJ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 201601. The main business of Scottish Widows Bank is arranging, entering into and administering mortgages and accepting deposits.

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