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  • Have you checked your State Pension forecast recently?

    Have you checked your State Pension forecast recently?

    Jul 30, 2026

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    by

    Ben Sheils
    in Pension

    Your State Pension forecast can help you plan for retirement by showing how much State Pension you could be entitled to, when you can claim it and whether there are ways to

  • Pension tax relief and allowances

    Pension tax relief and allowances

    Jun 4, 2026

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    by

    Ben Sheils
    in Pension

    Pensions remain one of the most tax-efficient ways to save for retirement, due to a range of tax reliefs and allowances that can help boost retirement savings. One of the key

  • NIC and tax after reaching State Pension age

    NIC and tax after reaching State Pension age

    Apr 30, 2026

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    by

    Ben Sheils
    in Pension

    If you continue working after reaching State Pension age, your National Insurance position changes, but your Income Tax obligations largely remain the same. Once you reach State

  • Still time to top up your pension contributions

    Still time to top up your pension contributions

    Mar 12, 2026

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    by

    Ben Sheils
    in Pension

    With the end of the 2025-26 tax year approaching on 5 April 2026, there is still time for taxpayers to increase their pension savings and benefit from valuable tax relief. Pension

  • Why inflation matters when funding pension funds

    Why inflation matters when funding pension funds

    Feb 23, 2026

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    by

    Ben Sheils
    in Pension

    When planning pension funding, inflation is often acknowledged but not always fully reflected in contribution decisions. Using an average inflation rate of around 5% over recent

  • Workplace pensions

    Workplace pensions

    Feb 19, 2026

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    by

    Ben Sheils
    in Pension

    Automatic enrolment for workplace pensions has helped many employees to start making provision for their retirement with employers and government also contributing to make a larger

  • Inheriting Additional State Pension

    Inheriting Additional State Pension

    Feb 12, 2026

    —

    by

    Ben Sheils
    in Pension

    The Additional State Pension is only available to those who reached the state pension age before 6 April 2016 and are receiving the Old State Pension. The Additional State Pension

  • Autumn Budget 2025 – Pension changes

    Autumn Budget 2025 – Pension changes

    Nov 27, 2025

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    by

    Ben Sheils
    in Pension

    The Chancellor has kept the main pension allowances unchanged but has confirmed a new cap on salary sacrifice arrangements that will apply from April 2029. There had been heated

  • Check your State Pension forecast

    Check your State Pension forecast

    Oct 2, 2025

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    by

    Ben Sheils
    in Pension

    Your State Pension forecast shows how much you could receive, when you can claim it, and how to boost it by filling National Insurance gaps. The Check Your State Pension forecast

  • Tax relief for employer contributions to a pension scheme

    Tax relief for employer contributions to a pension scheme

    Sep 18, 2025

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    by

    Ben Sheils
    in Pension

    Employers can generally claim tax relief on contributions made to a registered pension scheme by deducting those payments as an expense when calculating their business profits.

  • What if your pension contributions are excessive?

    What if your pension contributions are excessive?

    Aug 28, 2025

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    by

    Ben Sheils
    in Pension

    You can claim tax relief on pension contributions up to 100% of earnings, but exceeding the annual allowance may trigger charges. Tax relief is paid on pension contributions at the

  • What is the pension’s Money Purchase Annual Allowance?

    What is the pension’s Money Purchase Annual Allowance?

    Aug 21, 2025

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    by

    Ben Sheils
    in Pension

    The Money Purchase Annual Allowance (MPAA) is a pension rule designed to prevent individuals from gaining double tax relief on pension contributions. It targets situations where

  • Pension contributions, net pay or relief at source?

    Pension contributions, net pay or relief at source?

    Jul 3, 2025

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    by

    Ben Sheils
    in Pension

    Your pension scheme type affects your tax relief. Workplace pensions offer tax benefits, but the method used, net pay or relief at source, changes how and when you get them. Your

  • Check your State Pension forecast online

    Check your State Pension forecast online

    Jun 26, 2025

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    by

    Ben Sheils
    in Pension

    Get a clear view of your future pension. Use the enhanced online service to check, boost, or track your State Pension entitlement. The enhanced Check Your State Pension forecast

  • Claiming tax relief on pension contributions

    Claiming tax relief on pension contributions

    Jun 5, 2025

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    by

    Ben Sheils
    in Pension

    Private pension contributions can attract up to 45% tax relief, if you know how to claim it. Use your £60,000 annual allowance wisely and carry forward unused relief from past

  • Pension tax-free lump sums

    Pension tax-free lump sums

    May 22, 2025

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    by

    Ben Sheils
    in Pension

    Turning 55 soon? From April 2028, the minimum pension access age rises to 57. If you are planning to draw your pension, you could take up to 25% tax-free. Make informed choices

  • Higher rate tax relief on pension contributions

    Higher rate tax relief on pension contributions

    Apr 16, 2025

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    by

    Ben Sheils
    in Pension

    Want to make the most of your pension savings? You could claim up to 45% tax relief on contributions, plus carry forward unused allowances. Here’s how to boost your retirement pot

  • Inheriting spouse’s State Pension

    Inheriting spouse’s State Pension

    Mar 6, 2025

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    by

    Ben Sheils
    in Pension

    If your spouse or civil partner has passed away, you may inherit part of their State Pension, depending on when you reached pension age. Find out what you could claim, from basic

  • Tax on inherited private pension pots

    Tax on inherited private pension pots

    Feb 6, 2025

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    by

    Ben Sheils
    in Pension

    Private pensions can be a great way to pass on wealth, but tax implications depend on the age of the deceased and the type of pension. Some beneficiaries may receive funds

  • Pension fund withdrawal options

    Pension fund withdrawal options

    Oct 17, 2024

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    by

    Ben Sheils
    in Pension

    Most personal pensions set a minimum age at which you can start withdrawing money, typically not before age 55. Some pension benefits can be taken tax-free. Generally, you can

  • New brooms to deliver better pension frameworks

    New brooms to deliver better pension frameworks

    Oct 14, 2024

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    by

    Ben Sheils
    in Pension

    The Department for Work and Pensions has published an outline of the new Pensions Scheme Bill. There are three main objectives that the government want to achieve, and they are set

  • Tracing lost pension details

    Tracing lost pension details

    Oct 3, 2024

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    by

    Ben Sheils
    in Pension

    An online service is available on GOV.UK at www.gov.uk/find-pension-contact-details to help people find their lost pension funds. You can use this service to find contact details

  • Check your State Pension age

    Check your State Pension age

    Oct 3, 2024

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    by

    Ben Sheils
    in Pension

    HMRC’s ‘Check your State Pension age’ tool is available at www.gov.uk/state-pension-age/y. The online tool allows taxpayers to check the following: the earliest age they can

  • Higher rate relief pension contributions

    Higher rate relief pension contributions

    Sep 26, 2024

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    by

    Ben Sheils
    in Pension

    You can typically claim tax relief on private pension contributions up to 100% of your annual earnings, subject to certain limits. Tax relief is applied at your highest rate of

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