The latest in our retirement seminar series challenges much lazy thinking and conflicted advice about pensions to reveal a smarter framework for decision making, as part of an overall retirement goal.
read more Events by Joe ClarkAll individuals with large pension funds who completed HMRC form APSS200 prior to the 5th April 2009 should by now have received their certificate of protection, stating the type of protection, ‘enhanced’, ‘primary’’, or ‘enhanced (dormant primary)’, that is currently in place. Used correctly, this essential document helps protect individuals from incurring a penal tax charge of 55% for exceeding the standard lifetime allowance (SLA).
read more Insights by Joe ClarkThe severity of the recession is making people wonder how safe their pension is if their sponsor could go bust or cannot fund contributions. The feedback loop between pension solvency and corporate solvency, where the chance of failure is magnified by rules written to protect them from failure, is particularly unfortunate. It makes this look like another systematic problem that only the Government has deep enough pockets to solve.
read more Commentary by Stuart FowlerRoyal College of Radiologists
16th September 2008
Presentation by Joseph Clark
Invited by the Royal College of Radiology as an expert on the NHS pension scheme, Joe will highlight the differences between the existing and soon to be updated NHS pension scheme.
Retirees want to know how much they can draw from their capital to meet their lifetime spending, confident they will not spend too little or run out of money. Trustees need to know how much investment income to target so as to balance equitably the needs of income and capital beneficiaries. Divorcees want to know how much spending a clean break settlement will safely sustain. Philanthropic families want to know how much they can safely give away without risk to their own lifetime well-being, which means their own needs have to be planned first.
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