In this issue
CASHING IN LUMP SUMS FROM PENSION ARRANGEMENTS
A reminder of the nine authorised lump sum payments to members under the post A-day regime.
PENSIONS: STATE PENSION CREDIT – DISCLOSURE
How state pension credit works in practice & how ‘uncrystallised’ pensions benefits are taken into account when assessing your client’s eligibility for pension credit.
We outline some key tax advantages available to clients who choose to invest in an offshore bond.
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Welcome
Welcome to techtalk with the knowledge, the magazine distributed by Scottish Widows for financial advisers. Download our latest issue here.
With the integration of Scottish Widows and Clerical Medical, we’re bringing the best together to provide the best for you, your business and your clients. In line with this, we’ve combined our publications techtalk with the knowledge to give you access to even more technical experts than before.
As always, we welcome your feedback and involvement. If you have any comments, questions or even a suggestion for future articles, please contact our technical editors.

Ian Naismith
Head of Pensions Market Development, Scottish Widows
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