Real Time Information (RTI) – what it will mean to your business?

The introduction of RTI is set to fundamentally change the way in which payroll information is reported by employers to HM Revenue & Customs (HMRC).  All employers will join the programme between April 2013 and October 2013 at a date specified by HMRC. Widely promoted by HMRC as creating efficiencies for employers as well as […]

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 […]

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 […]

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 […]

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. […]

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