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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 All change for the Autumn Budget 2017…
    All change for the Autumn Budget 2017…

    In this blog, we consider some of the options open to the Chancellor, the loose ends still to be tied up and some of the steps that individuals might consider in advance; in case options are restricted on 22 November.

  • Picture for Interesting times: How to adapt to survive a turbulent pensions world
    Interesting times: How to adapt to survive a turbulent pensions world

    As the UK enters a period of significant change, Finance Directors and Pension Managers need a dynamic DB pension strategy that will be resilient in the face of changes in markets, whilst remaining cost effective over the longer term.

  • Picture for 2016 in review: the highs and lows of pensions
    2016 in review: the highs and lows of pensions

    In recent years there have been some monumental changes in UK pensions policy. Throughout 2016 we have seen a continuation of these policies and the emergence of a new pensions landscape, but not all of the changes have been unqualified successes.

  • Lifetime Allowances and Life Cover through Excepted Group Life Policy

    Since the Lifetime Allowance (LTA) reduced again to £1 million at 6 April 2016, there has been an increase in the use of excepted group life policies (EGLPs) for employees who already have a high level of benefit in a registered pension scheme.

  • AA and LTA survey - our analysis

    We have carried out a survey of how companies are gearing up to assist their high earners mitigate the impact of the tapered AA and the reduced LTA from 6 April 2016.

  • Annual and Lifetime Allowances - seven steps to success

    Considerable changes to pension taxation in recent years will heavily impact high earners. This briefing note details these changes and highlights the seven stage process that employers should follow to avoid unnecessary pension taxation issues.

  • 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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