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
Pension
Here you’ll find a range of materials available including guides to help with client discussions.
To help you create pension prospecting letters or emails for clients, we’ve produced some suggested wording that highlights the benefits of investing in a pension from a client perspective. This wording can be used in conjunction with our client-facing guides.
Our checklist is designed to highlight important considerations for clients making pension contributions. While there is no limit to the amount that can be saved into pensions each tax year, there is a limit in respect of the contributions that can potentially receive tax relief.
The plans to make unused pensions part of an estate, and therefore subject to inheritance tax on death, has a significant impact on retirement planning. This report provides a guide on inheritance tax rules for assets, gifts, trusts, pensions and other financial planning aspects.
Articles of interest
Does saving into a pension still make sense?
A guide to inheritance tax – Give while you live
Tax increases reignite the bonds versus collectives question
The pension lifetime allowance is no more and three new allowances are now in place. In just 10 minutes, Paul Squirrell runs through these allowances, how they work and the payments that are tested against them. He also covers off the transitional arrangements and which clients may need to take action to ensure they are not disadvantaged by the new rules.
More on pension lifetime allowance and transitional tax free certificates here.
Further practitioner content
Client-facing content
Flexible Investment and Retirement Solutions
The Pension Forum
Creating retirement income for your clients
Help and support
Client management
Adviser fees
Please note that with pension products, your clients will not be able to withdraw their money until the normal minimum pension age, unless the client has a lower protected pension age. Tax treatment depends on individual circumstances and all tax rules may change in the future. The value of investments and the income from them can go down as well as up so your client may get back less than they invest.