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:
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.
Despite the trend to move away from DB in favour of more flexible DC arrangements, employers wanting to maximise provision of benefits for employees without breaching the Annual Allowance and Lifetime Allowance limits may find a DB SSAS suits their needs.
High earners could find themselves footing large tax bills as a result of reduced pensions annual allowance (AA) and llfetime allowance (LTA).
This briefing highlights the key changes to the annual allowance (AA) and lifetime allowance (LTA) that came into force from 6 April 2016.