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Category Archives: accountants
Seven ways to improve Defined Benefit funding
In March 2020, The Pensions Regulator (TPR) opened a consultation on its proposed revisions to the DB funding code. In framing its response, First Actuarial proposes seven ways to change DB funding for the better. What do we want the … Continue reading
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Posted in accountants, dc pensions, de-risking
Tagged #Pensiondebate, DB Funding Code, pension, TPR
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Ros Altmann’s response to TPR’s DB funding code consultation.
I have asked for responses to the Pension Regulator’s consultation questions and Ros Altmann has obliged. As a member of the House of Lords and former Pension Minister, I hope Ros’ replies will be of particular interest Continue reading
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Posted in accountants, actuaries, pensions, Pensions Regulator
Tagged Consultation, DB Funding Code, final salary, pension, pensions, Ros Altman, TPR
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Why your pension records – like your medicals – should be yours by right
This blog sets out for the first time a fundamental right of the retirement saver, a right to see their pension record in a digitally readable format. Continue reading
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Posted in accountants, advice gap, age wage, DWP, pensions
Tagged AgeWage, pensions, Record Keeping, records
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What we don’t consider matters
Listening to Victoria Derbyshire talking about domestic abuse on the radio this morning , I was struck by one insight. When asked why domestic abuse had been such a low priority at the start of lockdown she observed that as … Continue reading
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Posted in accountants, actuaries, advice gap, pensions
Tagged advice gap, David Penney, pensions, tax relief
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Prem Sikka’s peerage – its value to accounting , governance and pensions
Prem Sikka, too, is an appointment to be welcomed as strengthening the Lords pensions team. Read his monograph from 2006, “Pensions crisis a failure of public policymaking”, https://t.co/xBHu7dgVKJ. Chapter 2: THE PENSIONS CRISIS: FACT AND FICTION explains the valuation and… … Continue reading
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Posted in accountants, advice gap, age wage, pensions
Tagged Accounting, Bryn Davies, Dennis Leech, ESG, House of Lords, pensions, prem sikka, Ros Altmann, Sharon Bowles
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The mess we’re in (pt.1) and how we got here.
Iain Clacher and Con Keating Since their heyday in the 1990s, UK occupational DB schemes have been winding up at a rate of about one every two days. Their replacement, DC schemes, are a poor substitute; they are tax-advantaged savings … Continue reading
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Posted in accountants, actuaries, advice gap, pensions, trustee
Tagged Con Keating, DB, DB pensions, Iain Clacher, regulation, Roy Gopode, Sharon Bowles, TPR
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Is HMRC handing the low-paid pension saver a Pyrrhic victory?
The government has today published a ‘call for evidence’ on how to address the different outcomes for lower earners, depending on whether their pension schemes use the relief at source (RAS) or net pay method of tax relief. The call … Continue reading
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A great report on tax injustice from the ABI at prayer.
It’s a good and timely report and its analysis of inequality is excellent. But it is only addressing a quarter of the Government’s incentives bill and the solution it models is a lot more painful to the mass-affluent than the report implies Continue reading
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Posted in accountants, actuaries, age wage, pensions
Tagged ABI, pensions, PPI, Tax, tax relief
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The other way to value DB schemes- Clacher and Keating.
DB scheme value Valuation – the long way round Our blog (May 28th) calling for a bonfire of pension regulation led to a surprising amount of interest and a wide range of questions and even some requests for expansion … Continue reading
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Posted in accountants, actuaries, advice gap, de-risking, pensions
Tagged Car, Con Keating, Contractual accrual rate, DB, defined benefit, Iain Clacher, valuation
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Payroll into battle!
April 20th 2020 will live long in the memories of payroll. The Furlough has begun! Here is Barry Matthews – payroll enthusiast and BDD of PayCircle and his call to arms! Monday morning 20th April 2020, payroll teams across … Continue reading
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Posted in accountants, leadership, Payroll, pensions, risk
Tagged #payrollbureaus, #youcandothis, auto enrolment, Furlough, Payroll, payrollservices, pensions, reward
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