Tag Archives: pensions

Pension Tax Reform is the “art of the possible”.


  Everyone knows that pension tax-relief is broken and those who try to cling on to the current system do out of vested self-interest (and I include one former pensions minister in that statement). Wealth managers have come to view … Continue reading

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Keating on Ralfe, CDC and morality


Last week’s Corporate Advisor’s Pensions Summit featured a debate on the merits of CDC pensions. Johan Ralfe presented the “case” against the introduction of CDC. In the main, with all the showmanship of Barnum and Bailey, this resurrected old and … Continue reading

Posted in CDC, pensions | Tagged , , , | 4 Comments

“Legacy” is a dirty word – AgeWage would ban it!


Not so long ago, well in the late nineties , I attended a series of meetings to ward off the impending threat of stakeholder pensions. The meetings were organised by Allied Dunbar and I attended as the “pinko” from Eagle … Continue reading

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Death by 10 million pots – how to solve the small pot crisis


  There are 10 million new savers into workplace pensions. If every saver changed jobs 10 time, that would mean 100 million new pension pots- unless some means of rationalising pot proliferation can be found. The DWP estimate that by … Continue reading

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Simplifying pensions with AgeWage


A number of people have asked about “AgeWage”, so I thought to write an article introducing it and why I and our management team are so excited about what it will do. A good business plan should start with a … Continue reading

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How GDPR helps us make sense of pensions!


Adrian Boulding has written an excellent article about the new cost and charges disclosures. I will quote only the conclusion and urge you read the rest of it here. Can we hope to obtain full investment charges data onto a … Continue reading

Posted in age wage, pensions | Tagged , , , , | 1 Comment

Will a “Transfer Value Comparator” work?


t DB transfer activity has begun to stabilise, with far more transfers being quoted and taken every quarter compared with the position before the new freedom and choice flexibilities were introduced by the Government in 2015. Bart Huby LCP Aug … Continue reading

Posted in advice gap, BSPS, pensions | Tagged , , , , , , | 3 Comments

Payroll are tomorrow’s Pension Experts!


I spoke at the CIPP Conference at the National Exhibition Centre at what payroll can do to help staff understand pensions and in particular – the pension freedoms. Here are my slides I think there are three things that hold … Continue reading

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Will “DC deficits” become a thing of the past?


News of HMRC’s “change of position” with regards the “net-pay- anomaly” is welcome, and long overdue. It came in the form of a letter sent in response to a request from respected journalist Jo Cumbo of the FT. Govt to … Continue reading

Posted in advice gap, annuity, auto-enrolment, pension playpen, pensions | Tagged , , , , , , | 2 Comments

So what’s unfair about a Pension Wealth Tax?


In this article I argue that any tax increases levied on the rich are ok by me, and I’m rich. The bias of vested interest The vast majority of people get tax relief on their pension contributions. Some people are excluded by … Continue reading

Posted in accountants, Henry Tapper blog, pensions | Tagged , , , , , , , , | 3 Comments