What we think


Care Fees Planning

Teachers’ Pension in Payment

If the pension is in payment from the Teachers Pension Scheme care should be taken that full details are obtained of the benefits payable. The grounds for retirement may be redundancy or for the purposes of organisational efficiency. If these terms apply then the retirement is known as being ‘premature’. This means that part of… Read more


Pension Sharing Orders: Implementation Fees

I have always maintained that implementing pension sharing orders can be as complex as how to split the pensions in the first place. I have recently completed the implementation of a pension sharing order that I think you might be interested in. The wife, my client, had been awarded two pension sharing orders. Both were… Read more


Picture of Weymouth Harbour & boats

Test Achat

I have received quite a few queries recently on what the final outcome was of the Test Achat case on gender equality in annuity rates. Well it didn’t quite work out as the gloom and doom predicted by some. Quite a few pundits were expecting male annuity rates to drop to the same level as… Read more


Teachers Pension Scheme

I am delighted to be able to provide this our first update following the merger of C S Pension Consultants Ltd with Albert Goodman Financial Planning Ltd. The Welfare Reform and Pensions Act 1999 (WRPA) requires under section 31 that a pension debit is applied to each of the component benefits within a pension scheme…. Read more


Armed Forces Pension Scheme

As you are probably aware if a pension sharing order is issued against the Armed Forces Pension Scheme then the former spouse must take up shadow membership. The former spouse is referred to as the Pension Credit Member (PCM). However we have found recently that the letters that are being issued by the Service Personnel… Read more