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The lifetime allowance

Paul Squirrell, our pension expert takes a step-by-step approach to establishing the client’s individual lifetime allowance (LTA)

Lifetime allowance: making sure you have the correct allowance – video transcript

Your LTA checklist

Here we highlight relevant considerations when assessing an individual’s pension savings and the impact of the LTA, through 4 steps:

  1. Establishing the amount of the individual’s LTA
  2. General enhancements and reductions to an individual’s LTA
  3. Considering how and when benefits will be tested against LTA
  4. Salient considerations and working through options and possibilities
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Your LTA technical guide

A useful reference aid that includes all the detail around:

  • Transitional protection
  • LTA enhancements/reductions
  • Benefit crystallisation events (LTA test trigger events)
  • The LTA charge
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Client-friendly LTA guide to help discussions

Share this guide with your clients which covers:

  • Who could be affected
  • How to calculate the value of their pensions
  • What steps those affected can take to minimise tax bills
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Questions and feedback

Are there any other questions that you have on this subject? Whilst, we can’t undertake to respond to you individually, we’d like to take account of your feedback to help develop material that best assists you.

Even more set to be caught by the lifetime allowance tax charge

Important considerations around the initial phase of LTA planning, on establishing the client’s individual lifetime allowance.

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Technical matters

Further on the pension lifetime allowance

Here we delve into the pension lifetime allowance including; protection, benefit crystallisation and access to useful training videos.

Pensions, retirement and tax planning

Pensions and divorce, death benefits, allowances and much more.

Retirement and pensions training

46 short retirement videos, totalling over five hours of learning.