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Welcome to the latest edition of Techtalk

In this edition, see how your business could benefit as our Financial Planning team looks at a range of topics on retirement planning.

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Articles in this edition include:

SCOTTISH INCOME TAX AND PENSION CONTRIBUTIONS

What do the differences between Scottish and rest of the UK income tax rates mean for member pension contributions and salary sacrifice?

DB ADVICE AND PS 18/6 – THE LAST POLICY STATEMENT?

The DB transfer rules following the FCA’s Policy Statement PS 18/6, plus a summary of the key points in Consultation Paper CP 18/7.

ESTATE PLANNING WITH PENSION DEATH BENEFITS

Three years on from the introduction of Pension Freedoms the relatively generous tax rules for pension death benefits remain in place. These can offer simple and tax efficient planning options.

RETIREMENT PLANNING AND THE EMPLOYER’S CONTRIBUTION

An overview of the tax benefits of employer contributions and their benefit to company owners.

SCHEME PAYS IN FOCUS

Looking at when a member can ask their pension scheme to meet the annual allowance charge.

STATE PENSION BASICS EXPLAINED

Covering the basic plus additional state pension, the new state pension, pension credit, national insurance qualifying years, and increases to state pension age.

UNDERWRITING – RISK SELECTION NOT AVOIDANCE

An introduction to protection insurance underwriting history and current practice.

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