27th January 2015
Scottish Widows: Read January’s edition of Techtalk
Techtalk
Jan 2015 – Issue 1 – Volume 14
There’s a record increase in the number of women saving adequately for retirement in the last year, but there’s more advisers can do to add some real value to the financial future of female clients.
STILL LEAVING IT TO CHANCE? AN UPDATE ON THE RULES OF INTESTACY
> Jeremy Branton
Dying without leaving a Will can lead to unexpected results and compromise the long term financial security of the family. An understanding of the consequences of the intestacy rules reinforces the importance of making a Will.
RELIEF AT SOURCE AND NET PAY:AVOIDING CONFUSION
> Bernadette Lewis
We explain the two tax relief methods used when employee pension contributions are deducted from pay.
FREEDOM AND CHOICE: NEW WAYS TO TAKE PENSION TAX FREE CASH AND INCOME
> Bernadette Lewis
We summarise the key details of the April 2015 reforms enabling money purchase pension scheme members to take benefits as almost any mix of lump sum and income.
GETTING THE PIP: PENSION INPUT PERIODS EXPLAINED
> Bernadette Lewis
Clarification of the original PIP rules, the 2011/2012 changes and straddling PIPs.
PENSION DEATH BENEFITS WON’T TAX YOU
> Chris Jones
The announcement of the new tax treatment of death benefits was the final key part of the Freedom and Choice reforms. The taxation is far more generous than many.
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