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Barnett Waddingham
0333 11 11 222

Blog: SIPP

All change, please! The FCA’s ‘one size fits all’ solution to harmful retirement outcomes

In June, the FCA published their “Retirement Outcomes Review – Final Report”, which followed from the Interim Report they issued last year. Their Report was accompanied by a Consultation Paper, entitled “Proposed changes to our rules and guidance”.

Will the pensions cold-calling ban be introduced before Brexit?

HM Treasury’s Open Consultation on Pension Scams was published on 5 December 2016. Amongst other things, it proposed that all cold-calls to consumers regarding pensions should be banned; potentially including e-mails and texts.

AA & carry forward - use it or lose it

Nilesh Shah, Associate, outlines the need to utilise any unused annual allowance before it is too late.

Devolution now: taxation powers in Scotland and Wales

Devolution is adding new layers of complexity to pensions, creating confusion, questions and cost.

How to prevent penalties for sole trustee SSASs and FURBS

Clients who act as sole trustee to their SSAS or FURBS are unknowingly storing up potential problems for their families after their death, which could easily be avoided by some simple planning now.

FSCS funding consultation: new levies on pension providers

A FCA consultation proposed expanding the pool from which the FSCS draws the funds it uses to pay compensation. It proposed that 25% of the levy on financial advisers be paid by the providers of pension products. Results are in… providers to pay!

Death and SSASs

SSAS Client Manager; Lisa White, explains how spending a few moments thinking about your circumstances, could save taxes being imposed on your pension savings in the future.

Six Scottish tax rates offer little source of relief

Recently, HMRC released papers that reference 'relief at source' and the 'Scottish rate of income tax'. Both interrelated with each other, we explore the changes and the six Scottish tiers of income tax.

Are you leaving the lifetime allowance charge to chance?

The lifetime allowance (LTA) charge for pension savings is akin to picking that 'chance' card in a game of Monopoly. SSAS Client Manager, Lisa White asks: are you leaving the lifetime allowance charge to chance?

Reforms to the FSCS are set to cost you

For years, the FSCS has been making hefty levies on financial advisers to compensate people after the fallout of what are essentially investment scams. The levies fall on those remaining in the industry.

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