Private pensions are one of the most expensive tax reliefs in the personal tax system, costing the government over £70 billion annually. Yet many people are missing out on significant tax savings simply because they don’t understand how these schemes work.
In this webinar, Gravita Tax Associate Director, Kelly Gould and Evelyn Partners Chartered Financial Planner George Uglow cover the practical side of pension planning. From understanding contribution limits to planning for the proposed inheritance tax changes coming in April 2027, this session explains what you need to know about making the most of private pensions.
Whether you’re employed, self-employed, or run your own business, there are specific strategies that could save you thousands in tax whilst building your retirement fund.
What we cover
- Why everyone should check their state pension forecast
- How much you can contribute and what counts as relevant earnings
- The difference between net pay and relief at source schemes
- Why many higher rate taxpayers are missing out on tax relief
- How business owners can save National Insurance through company contributions
- When pension consolidation makes sense and what you might lose
- Modern withdrawal options and retirement income planning
- The proposed April 2027 inheritance tax changes
Questions about your pension?
If you think you might be missing out on tax relief or want to discuss how the inheritance tax changes could affect you, get in touch.
Meet the speakers
Associate Director, Tax
Gravita
Kelly Gould is an Associate 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 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, Kelly 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.
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.
Chartered 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.
