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On 22nd June 2010 the Chancellor of the Exchequer George Osborne published emergency budget measures which the new coalition government intend to introduce.

Whilst the focus was on VAT, Capital Gains Tax and planned cuts in public expenditure, it also contained significant changes to pension regulation.

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Taxation considerations are an integral part of the financial advisory services which we provide. For this reason we consider it essential to offer an in-house tax consultancy and compliance facility to our clients in order that their affairs can be dealt with in a truly holistic way. This guide sets out details of the services provided.

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In his 2009 budget speech Chancellor Alistair Darling made two significant announcements affecting high earners. The first was an increase in the higher rate of income tax to 50% for those with annual income above £150,000 and the second was the removal of higher rate tax relief on pension contributions for those with ‘relevant income’ above £130,000.

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Find out about employers’ responsibilities with regards to Personal Accounts. Read about the new rules on automatic enrolment. We’ve also covered the interaction between the new rules and existing pension arrangements.

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This guide contains the main options for drawing you pension, explaining the advantages and disadvantages of each. Options covered include Lifetime Annuity (Secured Pension), Scheme Pension (Secured Pension), Phased Retirement, Unsecured Pension, Alternatively Secured Pension and Triviality.

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For anyone who has built up valuable pension benefits during their working life it is important to extract the maximum value from those benefits by making the correct decisions when the time comes to retire. The opportunities to do so undoubtedly exist but unfortunately specialist impartial advice can be hard to find.

The purpose of this briefing note is to highlight and explain those areas which you should consider addressing in the approach to retirement in order to get the most out of your pension.

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Our 6 step financial planning process is relevant to both corporate and personal financial planning. Our process provides a clear step-by-step method which we use to understand your financial situation, make recommendations and then implement then.

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Employer funded pension schemes have been a feature of employee benefit packages for many years now, largely due to their obvious tax advantages. The appetite for tax efficient methods of remuneration has grown over time and has given rise to increasing numbers of share incentive and savings plans.

The purpose of this factsheet is to look at the interaction between the HMRC tax rules as they apply to pension schemes and share scheme and how those interactions can be combined to maximize the tax breaks available.

Some of the opportunities which we explore here are specifically provided for by the relevant legislation whilst others are planning measures extrapolated from it.

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These are links to external sites. Chartermarque Ltd is not responsible for the content or accuracy of information therein.