Planning

• Why carry forward could be more beneficial this tax year

  

  The disruption to business of Covid could mean for some clients carry forward proves to be more beneficial than in other years, says Lisa Webster, senior technical consultant at AJ Bell

• Should you use a SIPP or a SSAS?

  

  There are key differences that make each the best to use depending on clients’ needs. Stephen McPhillips, technical sales director, Dentons Pension Management Limited delves into the details Pensions’ A-Day … Continued

• Threat to lifetime allowance protection on scheme buy-out

  

  A flaw in the rules could lead to the loss of lifetime allowance protection on scheme buy-out. Charlene Young, senior technical consultant at AJ Bell explains

More Articles

• Pensions in-specie transfers – when, why and how to make a transfer

  

  Dentons’ Stephen McPhillips looks at the reasons for in-specie transfers of assets between pensions schemes, which assets typically it applies to, who can authorise a transfer and the process involved

• Pension transfers – how to ensure client understanding

  

  Steve Bailey of ATEB Consulting, points to COBS for direction and offers eight conclusions to help advice firms achieve that client understanding

• Bankruptcy – are pensions protected?

  

  Joshua Croft, technical consultant at AJ Bell examines the rules

• New structured product offering income and growth on FTSE CSDI underlying

  

  Mariana and Lowes Structured Investment Centre have launched the 10:10 Income & Growth Plan, a structured product that combines the opportunity for quarterly income payments and for capital gain at maturity after three years or more.

• Could now be the time to reassess drawdown investment pathways?

  

  Covid-19 has delayed the implementation of investment pathways for drawdown, giving the FCA a perfect opportunity to reassess the rules

• DB pension transfer – consideration of death benefits and life cover

  

  Consideration needs to be given to life cover options when firms are assessing suitability of a DB pensions transfer, says ATEB Consulting’s Steve Bailey.

• Block transfers – why use them and how they work

  

  Jessica List, Pension Technical manager, Curtis Banks, examines the reasons why clients may want or need to carry out a block transfer to protect pension benefits and the rules applying to the transfer

• Picking up the pieces – how advisers can help after a market sell-off

  

  By Mickey Morrissey, head of distribution, Smith & Williamson Investment Management

• Why and how power of attorney should be put in place for clients

  

  Grant Blakey, technical consultant at AJ Bell, considers the importance of your client’s having a power of attorney in place, the benefits of doing so and potential drawbacks if not.

• Why client calmness is an acid test of good advice

  

  Colin Dyer, head of Proposition and Private Client Management at 1825, talks to the firm’s approach to client relationships and surprise responses in the current crisis Sat at our desks at … Continued