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Barnett Waddingham
0333 11 11 222

Bhargaw Buddhdev FIA

Partner and Head of Executive Pensions

Bhargaw Buddhdev is a pensions actuary and he is our expert for dealing with pension taxation issues for individuals and their employers.

Bhargaw specialises in advising companies and remuneration committees on pension arrangements for their senior executives. He takes pride in being able to explain the very technical pension issues to his clients in a manner they understand and then help them to organize the pension arrangements for their senior staff in order to minimise the risk of annual allowance and lifetime allowance charges. Bhargaw also advises senior executives on their options both whilst accumulating their pension funds and when they reach retirement.

His extensive experience, clear advice and proactive approach have helped him to become a trusted consultant to a wide range of employers and their senior staff at:

  • private sector companies, including banks, insurers, small and medium sized enterprises
  • universities
  • local authorities and county councils
  • headteachers and senior teachers
  • doctors, dentists and other senior medical staff

Significant experience:

  • educational seminars and meetings with individuals on pensions taxation changes and the greater freedom and choice to be available from 2015 as announced in Budget 2014
  • reviews of pension arrangements of senior staff at various organisations, including tax efficient annual allowance and lifetime allowance planning
  • retirement planning options, including income withdrawal, phased retirement and guidance on general retirement planning issues
  • guidance on setting up unfunded and unapproved pension arrangements

Bhargaw has considerable experience of dealing with SSAS, SIPPs as well as FURBS and UURBS (Unfunded Unapproved Retirement Benefits Schemes).

He regularly speaks at pension seminars for clients and has been a speaker at the Association of Consulting Actuaries Annual Conference as well as at the Institute of Actuaries' Annual Pension Convention.

Comment & Insight

  • Briefing Specialist guidance for senior ALMO staff

    Our Executive Pensions team has considerable experience in advising senior ALMO staff on their pension benefits. This briefing note covers substantial changes that have recently taken place in the pensions legislation directly affecting such high-earners.

  • Briefing Specialist guidance for senior university staff

    There have been substantial recent changes in pensions legislation affecting high-earners. As a result, senior university staff may now face tax charges on their ongoing pension savings.

  • Briefing Pension planning for senior NHS staff

    NHS staff are now facing tax charges on their ongoing pension savings. Barnett Waddingham provides a bespoke and specialised service designed to meet the pension requirements for NHS employees.

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