We recognise the complexity surrounding the Annual Allowance and Lifetime Allowance and regularly help clients in this planning, alongside other issues such as income withdrawal, phased retirement and general retirement planning issues.
As well as advising individuals directly, we work with many corporates in developing their retirement strategies to ensure that they provide a mutual advantage to the employer and the executives alike. Much of this advice tends to focus on providing guidance on opt-outs and compensation levels.
Our professional advice is tailored to your specific needs, fully independent and not geared to promotion of any product.
Any regulated investment advice will be provided by a consultant who is authorised and regulated by the Financial Conduct Authority.
"Bhargaw Buddhdev has been advising the senior management team of EPR for
a few years. He has helped the Directors with their pension planning by
explaining the details of the numerous and complex pension taxation issues in a
way that they understand. In the last year, whilst I was planning my own
retirement, he has supported me to make informed choices using his vast
knowledge and experience of advising other senior individuals. I had both
defined benefit and defined contribution pension arrangements and he guided me
through the process of drawing benefits in a tax efficient manner. He was happy
to provide his advice in detailed written reports which were clearly set out.
He is very ably supported by his team (especially Nilesh Shah) which enables
him to provide cost effective advice to his clients. I would definitely
recommend Bhargaw and his firm to anyone looking for professional pensions
Martin Potter - Director
“Bhargaw provided a bespoke pensions seminar for our Executive Team and without doubt it proved to be one of the most useful interactive sessions the team had benefitted from for a long time. Bhargaw’s calm personality, his focussed approach and his comprehensive knowledge and understanding of pensions, investments and taxation proved to be beneficial from both a business perspective and from the individual viewpoint. If you want the complex world of pensions and pension taxation to be made significantly easier to understand, speak to Bhargaw”Mike Gatrell
South Essex Homes
From Brexit to Safeway via the Lifetime Allowance – Head of Pensions Research, Tyron Potts, maps out an ‘A - Z’ of everything you may have missed in the world of pensions this spring.
John Cormell focuses on our approach in considering the specifics of each scheme and to only implement GMP equalisation in transfer values where appropriate and agreed by the trustees.
Trustees of defined benefit (DB) pension schemes face a quandary. How can they best help members make good decisions when it comes to accessing their pension benefits, ask Barnett Waddingham’s Jane Ralph and Liam Mayne?
We have developed a streamlined process to carry out GMP equalisation and potentially conversion and simplification too. An outline of what this will look like is available to download.
From 2019/20 the LTA will be £1,055,000 and there's been a continued increase in the use of EGLPs for employees who already have a high level of benefit in a registered scheme. This briefing talks about an important change to eligible beneficiaries.
We are pleased to present the results of our eighth survey of the assumptions adopted by UK universities for determining the value of their pension liabilities for accounting purposes.
High earners face large additional tax bills on the build-up of their pension after 6 April 2016. How have employers responded to these changes and what should they be thinking about post April 2016?
We were asked to advise a leading University in relation to its senior staff. Particular issues arose with one senior staff member with long service and he had exceeded the Annual Allowance (AA) (£50,000) in each of the last 3 tax years.
We were asked to advise a Managing Director of a leading global company who was expected to lose Enhanced Protection because of on-going benefit accrual. The pension issues were complex and required an urgent decision.
We were appointed by an executive who faced the prospect of a lifetime allowance (LTA) charge because her benefits at normal retirement date would exceed the LTA.
Barnett Waddingham has announced the promotion of three of its staff to the position of partner and 15 to associate, ensuring continued business growth and success.
A raffle held at the Barnett Waddingham staff Christmas party has helped to raise additional financial support for Crisis at Christmas – the charity that aims to end homelessness and help change people’s lives for the better.
Barnett Waddingham has today announced that the number of properties under administration within its SIPP business has exceeded 1,000 for the first time.