Private pensions: the benefits, planning considerations and how to use them

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This session will cover: An in-depth look at the tax advantages and planning opportunities surrounding pensions, including:

Personal and employer pension contribution benefits
Protecting your personal allowance through pension planning
Accessing pensions as a tax-free benefit
National Insurance savings strategies
Comparing employee pension schemes: net pay vs salary sacrifice
Contribution limits: earned income, annual allowance, lifetime allowance
A look ahead: proposed pension IHT reforms

A focus on practical application and long-term planning, including:

Case study: navigating post-budget pension options
Pension consolidation: considerations, benefits, and pitfalls
Retirement planning and cashflow modelling: do I have enough to retire and what are my options

The session is ideal for individuals and business owners looking to optimise their pension planning, reduce tax liabilities, and prepare for a financially secure retirement.

Speakers:

Kelly Fern

Director, Tax

Kelly Fern is a Director in Gravita’s Tax team, with a strong background in advising owner-managed businesses on a wide range of tax matters. She qualified as a Chartered Accountant in 2018 and subsequently specialised in tax, becoming a Chartered Tax Adviser and member of the Chartered Institute of Taxation in 2022.

Kelly’s expertise spans capital taxes, corporation tax, and personal tax, with a particular focus on providing strategic, tailored advice to business owners. She is also experienced in managing complex interactions with HMRC and supports clients on a variety of general tax matters. Her up-to-date technical knowledge and practical approach enable her to deliver clear, commercial solutions in an ever-evolving tax landscape.

Kelly possesses in-depth expertise in the NHS Pension Scheme, particularly in relation to the complexities introduced by the McCloud remedy. She has successfully guided clients through the intricate processes of tax reporting and pension recalculations. In addition, she provides tailored advice on a wide range of personal pension matters, offering comprehensive support to clients navigating the broader landscape of retirement planning and this is often delivered in conjunction with Inheritance Tax planning.

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George Uglow

Financial Planner - Evelyn Partners

George is a Chartered Financial Planner with over 17 years of experience within the industry. He has supported many of his clients with their retirement plans, helping them to navigate the complexities of pensions.

George appreciates the importance of planning for retirement and therefore ensures that his clients take their time to consider the options available to them. In order to bring a retirement plan to life, George will incorporate cashflow analysis to provide a visual representation of what the future might look like so that clients can understand the impact of different options, such as moving into drawdown or purchasing an annuity.

George is an NHS pension specialist and Fellow of the Personal Finance Society.