Retirement

• Ensuring client understanding in pensions transfer advice

  

  How can you ensure a client understands the advice and the recommendations being made in a pension transfer case? ATEB Consulting’s Steve Bailey looks at what COBS says, and where advice firms make mistakes

• Points to consider when clients access DC pensions early through ill-health

  

  Important planning points when advising clients looking to access their pension early

• Is it time to rework the refund rules?

  

  GIven the massive issues that are being caused by the annual allowance, if the limit stays the same then HMRC needs to rework the refund rules, suggests AJ Bell’s Gareth James

More Articles

• Pensions Dashboards – a positive disrupter

  

  Michael Roe, development director, Origo, sees the pensions dashboards as a catalyst for positive change in the industry

• Breaching the LTA – the need for good advice

  

  Danielle Byrne, technical consultant at AJ Bell, addresses the risk of breaching the LTA because of a death in service policy

• Commercial property – options around funding

  

  Denton’s Stephen McPhillips looks at ways for a business to fund the purchase of a commercial property for its use and where the right SIPP provider may prove useful

• When and how clients can take their pension lump sum

  

  John Keenan, Xafinity SIPP & SSAS, examines the rules that apply to pension lump sums and how they can be accessed efficiently by clients.

• Carrying out a SIPP book migration

  

  Where industry consolidation means a SIPP book is with a provider an adviser would not have chosen, a migration may be necessary but the process is not always easy.

• Where I see the challenges and opportunities in 2019

  

  Dynamic Planner CEO Ben Goss sets out below what he believes the next 12 months has in store for the advice industry

• Planning opportunities around scheme pays

  

  Gareth James, head of technical resources at AJ Bell looks at when it pays to scheme pay in the right way

• What HMRC vs Staveley means for adviser clients

  

  How HMRC will interpretation death benefits in respect of IHT where a pension transfer takes place, in the light of the recent ruling in Staveley vs HMRC

• Unravelling FCA Policy Statement PS18/20 – Pensions Transfers

  

  ATEB Consulting’s Steve Bailey looks at the key points in the FCA’s ‘Improving the quality of pension transfer advice’ paper

• Are advisers overlooking a SSAS opportunity?

  

  Clients dissatisfied with the running of their SSAS is an opportunity for advisers to help and thus build a valuable relationship with this group HNWs, says Matthew Storey, business development manager, Xafinity SIPP & SSAS