Adviser policy papers

Why paying a tax charge isn’t always a bad thing

Clients facing tax charges are anxious to know if it’s worth their while staying in their pension scheme. 

The pensions tax situation may seem bleak to many individuals for a number of reasons.

This policy paper sets out Royal London’s thoughts on how advisers can set about giving sound advice to clients in this space.

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Retirement benefits in public service pension schemes

NHS and Teachers’ pension schemes have evolved over a number of years, leaving many members with multiple tranches of final salary and career average benefits in addition to multiple normal pension ages.

This policy paper sets out the wider rules by which members of these schemes can claim their benefits. It aims to help advisers understand the relevant scheme’s rules on a range of issues.

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The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.