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Capitalise on the pension changes before 6 April 2010

Help your clients and build your business too

As the tax year draws to an end, this is your opportunity to build business by helping your clients with the 2009 tax changes and the upcoming minimum pension age change. By acting now, you can help them make the most of the opportunities available to them before 6 April.

  • The minimum pension age changes from 50 to 55 on 6 April 2010
  • High earners should use their £20,000 special annual contribution allowance before 6 April 2010
  • Clients made redundant may have the opportunity to make a one-off pension contribution to maximise their tax relief before 6 April 2010
  • Many employers can receive corporation tax relief earlier by making pension contributions before 31 March 2010

Read our Tax Year End pension planning opportunities sales aidThis symbol denotes that the link will open in a new window for more information

We’ve put together these tools and information resources:

Tech Talk
Tech Talk Articles and case studies offering a wealth of useful information.

Read more about Tech TalkThis symbol denotes that the link will open in a new window

February 2010
Business planningThis symbol denotes that the link will open in a new window
Delivering the RDRThis symbol denotes that the link will open in a new window
Fourteen planning tipsThis symbol denotes that the link will open in a new window 		Pensions Anti-forestallingThis symbol denotes that the link will open in a new window
Raising the barThis symbol denotes that the link will open in a new window
Salary ExchangeThis symbol denotes that the link will open in a new window
December 2009

Fruitful pension planning for your company clientsThis symbol denotes that the link will open in a new window

Income recycling calculator
Sales aids This handy tool demonstrates how your pension clients could draw two tax-free lump sums. Very useful in light of the change to the minimum pension age in April 2010.

Income Recycling Calculator

Income Recycling Adviser case studyThis symbol denotes that the link will open in a new window

Income Recycling Client facing case studyThis symbol denotes that the link will open in a new window

Additional support
Sample IFA client approach letters Indispensable advice to help you build your business and suggested content for you to use when approaching clients.



Tax Year End pension planning opportunities sales aidThis symbol denotes that the link will open in a new window

Client approach letter for income recyclingThis symbol denotes that the link will open in a new window

Client approach letter for regulation age changeThis symbol denotes that the link will open in a new window

Tax Year End cut-off dates for Retirement Account

It’s important that you act now to ensure everything is in place for your clients before 6 April 2010.

  • Friday 12 March - fully completed RA application forms destined for Drawdown (post-retirement) and money to be received by our Retirement Account team.
  • Monday 22 March - fully completed Designation application forms for existing pre-retirement policyholders to designate into post-retirement to be received by our Retirement Account Team.
  • Thursday 1 April - fully completed RA application forms and money to be received by our Retirement Account team.

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