Taxbriefs Commentary Library

The essential adviser’s guide to retirement planning

Danby Bloch, 02 Aug 2012


 

Pensions and retirement planning have changed radically in the last few years meaning advisers need to take a long hard look at the subject as a whole. Most of us pick up new information in bite-sized chunks as we go along – but seldom rethink our attitudes and practices in the round.

Just think of some of the big changes that have taken place recently in this all important area for advisers: employers’ duties and automatic enrolment, registered pensions replacing approved pensions, life cover rules, unapproved schemes, QROPS/QNUPS, tax relief on contributions, annual and lifetime allowances, drawdown rules. Add to that huge changes in the investment environment caused by volatile stock markets and low interest rates, as well as the revolution in regulation of advice.

The old advice and the old ways of thinking need to be updated as a matter of urgency. It is no good getting stuck in an advice time-warp where the knowledge you draw on and the strategies you recommend are obsolete.

The Taxbriefs Pensions and Retirement Planning 2012/13 guide is the answer for the busy adviser who needs to rethink their approach to pension planning. It has two essential features:

  • A clear and easy to read explanation of the main rules governing pension and retirement planning. The answers to your questions can be found within the many easy to use and easy to understand examples.
     
  • The unique guide to pension planning issues. These range from drawdown issues to using QROPS and estate planning with pensions, and they comprise nearly a quarter of the whole publication.

Put together by Rob Gaines and Ian Naismith, both pensions experts with a deserved reputation for clear thinking and comprehensible explanation, the Taxbriefs Pensions and Retirement Planning 2012/13 guide is a must read for advisers.

 


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Danby Bloch

Editorial Director, Taxbriefs

Danby Bloch is the editorial director of Taxbriefs, chairman of city-based IFAs, Helm Godfrey and director of Nucleus, an independent wrap provider.

Over a period of more than 40 years, Danby has established himself as one of the industry's leading thinkers and  is a respected author, lecturer and trainer on tax and financial planning.

 

 

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