OverviewProducts
Products
Pension Flexible Investment and Retirement Solutions Standard Life Smoothed Return Pension Fund Standard Life Guaranteed Lifetime Income plan Taking retirement income ISA Investment Accounts Pension Trustee, Company and Trust accounts Cash The Canada Life International Bond Utmost Wealth Solutions − offshore bond products
Investments
Technical matters
Technical matters
Tax year end planning tools and resources Financial planning considerations - webinar Solving the retirement income conundrum events Replacement of the lifetime allowance Retirement Income Pension Forum The Platform Clinic Pension, retirement and tax planning Pensions tax relief and annual allowances The beneficiaries flexi-access drawdown conundrum Retirement and pensions training Personal tax and trust planning training
More support
Paraplanner technical hub
Paraplanner technical hub
Technical hub Retirement income Regulation, due diligence and compliance Training support
Financial planning considerations at tax year end
To help you navigate the upcoming period and deliver good client outcomes, Fidelity’s experts – Paul Richards, Paul Squirrell, and Jon Hale – explore the latest developments in retirement and tax planning.
Watch Fidelity’s experts – Paul Richards, Paul Squirrell, and Jon Hale – in this 45-minute discussion as they unpack the latest developments in retirement and tax planning. They cover key changes and what’s ahead for pensions, ISAs, and CGT, explore estate planning implications, and share practical tips for managing tax year-end tasks on our platform.
00:44 – Savings & retirement: What’s really changed?
01:54 – Pension confidence and the salary sacrifice cap
02:50 – Pension funding technical support
04:06 – Practical decumulation strategies
05:55 – Additional Budget points for tax year end planning
07:44 – ISA reform: What’s coming and when
10:15 – Adviser priorities on ISA changes
12:42 – Investing beyond pensions & ISAs
16:15 – Efficient asset holding & transfers
17:47 – Managing Capital Gains Tax effectively
19:50 – IHT: The new planning landscape
21:20 – Actions to take ahead of IHT changes
21:50 – Expression of Wish: Reviewing & updating
25:00 – New rules for Personal Representatives (PRs)
27:25 – Rethinking disinvestment hierarchies
28:33 – Why IHT changes transform planning
30:35 – The role of annuities in future planning
31:56 – Impact on adviser remuneration models
32:32 – Key takeaways
Related articles
Does saving into a pension still make sense?
We explore the impact of the 2027 IHT rules, bust common myths, and show why pensions remain one of the most tax-efficient ways to plan for retirement.
Online facility for stock transfers between Investment Accounts
We highlight our new online transfer facility and the many reasons for stock transfers.
Tax increases reignite the bonds versus collectives question
Tax hikes on savings and dividends from 2026 and 2027 slightly shift rates but don’t fundamentally change the need to tailor investment wrapper choices to individual circumstances, allowances, and expected returns.
A guide to inheritance tax – Give while you live
The proposed IHT charge on unused pensions could dramatically reshape retirement planning, making ‘gifts out of surplus income’ an increasingly valuable strategy for clients looking to pass on wealth tax‑efficiently.
About the Speakers
Paul is our Head of Distribution and has worked at Fidelity since 2006. He is responsible for the development and implementation of sales strategy, as well as the day-to-day management of the field-based and telephony sales teams.
Paul has over 34 years’ experience in financial services, beginning his career at a life insurance company, before moving to Skandia, where he held various sales roles, culminating in the role of Sales Development Manager for the London region.
Paul holds the Advanced Financial Planning Certificate and is an Associate of the Chartered Insurance Institute.
Paul is our Head of Retirement and Savings Development.
He is a retirement and savings specialist, helping advisers with the complexities and ongoing changes in tax legislation.
Paul started his career in Financial Services in 1987 and was working as a pension specialist in the employee benefits sector before joining Fidelity in 2007. Prior to that he was an Independent Financial Adviser in the Suffolk Area.
Paul is a Chartered Financial Planner and a Fellow of the Personal Finance Society.
Jon is Head of Platform Consultancy at Fidelity Adviser Solutions where he manages the National Platform Consultancy team.
Together they provide support to advisers, ensuring the platform can be fully integrated into their business whilst helping to maximise functionality and create efficiencies. This includes implementing investment propositions, consolidating assets, managing decumulation strategies and providing training support.
Jon began his career in 1991 and has worked in a variety of roles supporting financial advisers, both at life and pension companies and platform providers. Jon joined Fidelity in 2013 and holds the CII diploma in financial planning.
Please use this form to record any learning and development activities you have undertaken.