We’re living in challenging times. Our population is getting older and many customers lack the means to support themselves in retirement in the way they would like. This coincides with a climate crisis that is damaging the world into which they will retire.
If we are to protect the standard of living for this and future generations, we need to drive positive change in the financial services sector. This paper explores the steps we need to take to help customers build financial resilience and create a future worth living in.
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.
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.