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Barnett Waddingham
0333 11 11 222
Our expert help for senior individuals on their pension arrangements, includes the need to deal with the ongoing implications of changes to pensions taxation and the issues and options that individuals should consider.

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.

Significant experience
  • reviews of pension arrangements of senior staff at various organisations, including Banks, Insurers, Universities, Local Authorities, County Councils and Private Schools
  • guidance on setting up unfunded and unapproved pension arrangements

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 advice."
Martin Potter - Director

“When I needed some technical pensions advice, Bhargaw and his team provided excellent work throughout. Bhargaw showed a deep and detailed knowledge of the intricacies and complications of the interaction of tax, the timing of when to start to receive a pension, how much to take as a lump sum and complex pension regulations.”
David Miles
Strategist

Related knowledge and resources

Blogs

  • Picture for LGPS: Changing approaches to accounting reporting
    LGPS: Changing approaches to accounting reporting

    April has been a busy month for us - producing accounting reports for hundreds of participating employers in the LGPS. We report on SEDR and the change in approach taken in accounting assumptions this year.

  • Picture for Returning surpluses - employer exit credits arrive in the LGPS
    Returning surpluses - employer exit credits arrive in the LGPS

    Changes to Regulation 64 of the LGPS Regulations 2013 will offer greater flexibility. Annemarie Allen provides some insight on what has changed and what this means for scheme employers and administering authorities.

  • Picture for White paper: evolution not revolution
    White paper: evolution not revolution

    Following last year’s green paper, the Department for Work and Pensions published its long-anticipated white paper, ‘Protecting Defined Benefit Pension Schemes’, giving us a taste of how the pensions industry might be re-shaped in the coming years.

  • Feb 23 2016
    Webinar - Pension Tax Changes from April 2016

    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?

    Location: Webinar

  • Long service and implications on annual allowance

    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.

  • Enhanced Protection

    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.

  • Lifetime allowance charges

    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.

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