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You searched for the term Public sector pensions teachers pensions Moira Warner Your search returned the following 40 results...
 
  • Schools of thought - Royal London for advisers

    Teachers' pension scheme - schools of thought Moira Warner 27 February 2020 Share Share If you read the material we publish on public sector pensions, you’ll know that we’ve been watching the TeachersPension Schemes (TPS)/independent schools story unfold with interest and concern in equal measure...

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  • Public sector pensions in 2019: a run down - Royal London for advisers

    Public sector pensions in 2019: a run down Moira Warner 28 May 2019 Share Share Moira Warner, Senior Business Development Manager, explains key recent developments in public sector pensions and how they could affect you. With more than 16% of the UK workforce working in the public sector, many...

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  • TeachersPensions - value can’t be measured in pounds and pence alone - Royal London for advisers

    TeachersPensions - value can’t be measured in pounds and pence alone Moira Warner 5 May 2020 Share Share Our Senior Pension Development and Technical Manager, Moira Warner, looks at the benefits of a defined contribution pension as an alternative to the Teachers' Pension Scheme (TPS). Although...

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  • Public service pensions - what's boiling over and what's gone cold - Royal London for advisers

    Public service pensions - what's boiling over and what's gone cold Moira Warner 30 September 2019 Share Share In our May newsletter we highlighted a number of issues bubbling on the public sector pensions stove. This month we take a look under the saucepan lid to check on progress. Teachers...

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  • Give us a Clue! Ending age discrimination in public sector pensions - Royal London for advisers

    Give us a clue! Ending age discrimination in public sector pensions Moira Warner 19 August 2020 Share Share Our Senior Pensions Development and Technical Manager, Moira Warner takes a look at current Government proposals to end the age discrimination in public service pension schemes...

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    Information and guidance

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  • NHS pensions update - Royal London for advisers

    ...provider, product and proposition/ sales. Moira specialises in Public Sector pensions and worked closely with a number of key Public service pension schemes and the Local Government Association to help ensure the compliant overlay of pension freedoms on scheme regulations and practices. Moira moved...

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    News

  • Workplace pensions for independent schools - Royal London for advisers

    Workplace pensions for independent schools Royal London’s Senior Pension Development and Technical Manager's Moira Warner and Justin Corliss talk about the increase in employer contributions to the TeachersPension Scheme, and the impact on independent schools. CPD learning outcomes - 40 minutes...

  • Pension product information - Royal London for advisers

    (GPs) and Governed Retirement Income Portfolios... 16 Sep 2020 Give us a clue! Ending age discrimination in public sector pensions Our Senior Pensions Development and Technical Manager, Moira Warner takes a look at current Government proposals to end the age discrimination in public service pension...

  • Retirement benefits in public service - Royal London for advisers

    Retirement benefits in public service pension schemes 29 April 2020 Share Share This new interactive policy paper looks at the wider rules of the Teachers’ and NHS pension schemes and how members can claim their benefits. In the paper, Royal London's Senior Pension Development and Technical Manager...

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  • Meet the team - Royal London for advisers

    ...and commenting for the press. At weekends Moira can usually be found working in her garden but she doesn’t let her passion for plants prevent her from also indulging in her love of travel. Moira's latest articles  Give us a clue! Ending age discrimination in public sector pensions Teachers...

  • Doctors’ pensions - when 50% of something is better than 0% of nothing - Royal London for advisers

    ...and Central Bank clients. In the early noughties she moved to the life insurance sector where she has held various pensions technical roles supporting both provider, product and proposition/ sales. Moira specialises in Public Sector pensions and worked closely with a number of key Public service pension...

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  • Planning and the relevance of contribution dates - Royal London for advisers

    ...provider, product and proposition/ sales. Moira specialises in Public Sector pensions and worked closely with a number of key Public service pension schemes and the Local Government Association to help ensure the compliant overlay of pension freedoms on scheme regulations and practices. Moira moved...

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    News

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  • Pension news from 2019 - Royal London for advisers

    ...clients. Public sector pensions in 2019: a run down Aug 5 2020 Moira Warner, Senior Business Development Manager, explains key recent developments in public sector pensions and how they could affect you. The lifetime allowance ‘timebomb’ Jul 26 2020 Steve Webb explains why over a million workers need...

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  • Small advisers still have a role - Royal London for advisers

    ...of thought Moira Warner 27 February 2020 Share Share If you read the material we publish on public sector... Small advisers still have a role - Royal London for advisers Small advisers still have a role Tom Dunbar 25 November 2019 Share Share Consolidation has been big news in recent years and we...

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  • Adviser policy papers - Royal London for advisers

    London’s thoughts on how advisers can set about giving sound advice to clients in this space. Read more Retirement benefits in public service pension schemes NHS and Teacherspension schemes have evolved over a number of years, leaving many members with multiple tranches of final salary and career...

  • The lifetime allowance ‘timebomb’ - Royal London for advisers

    ...the big decline in DB pensions in the private sector, more than a million private sector workers are still actively building up DB rights and around five million public sector workers are doing so.  A long period of service in DB employment in a relatively well paid job is likely to lead a significant...

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  • Benefit options - Royal London for advisers

    Retirement benefits in public service pension schemes This interactive policy paper looks at the wider rules of the Teachers’ and NHS pension schemes and how members can claim their benefits. Listen to the podcast Read the policy summary Read the full policy paper Share by email: Share by email:...

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    Information and guidance

  • Pensions & Divorce - frequently asked questions - Royal London for advisers

    ...are where the ex-spouse joins the scheme as a deferred member. Private sector pension schemes are almost certain to offer external transfers although they could offer an internal transfers as an alternative. However unfunded public sector schemes can only offer internal transfers. Q: Chantelle and Troy...

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    Frequently asked questions

  • What is IR35? - Royal London for advisers

    ...on 6 April 2020. From this date, all public authorities and medium and large sized businesses in the private sector will be responsible for deciding the employment status of their workers rather than the worker having that responsibility. The private sector includes third sector organisations...

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    Business

  • What is IR35? - Royal London for advisers

    ...are currently set to change on 6 April 2020. From this date, all public authorities and medium and large sized businesses in the private sector will be responsible for deciding the employment status of workers rather than the worker having that responsibility. The private sector includes third sector...

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    Business

  • General and tools - Royal London for advisers

    pensions MiFID – a PROD at the adviser impacts Pensions and bankruptcy This article explores how bankruptcy can affect pensions. Pensions and bankruptcy Parental leave and pensions We are often asked how parental leave impacts workplace pension schemes in terms of funding in general, auto enrolment...

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    Information and guidance

  • Understanding ESG – How are asset managers dealing with demand? - Royal London for advisers

    London Asset Management (RLAM), explains that ESG has long been part of their decision-making process. “In reality we have been applying ESG factors, along with lots of other material factors, to investment portfolios for years,” she says, “but the Department for Work and Pensions’ requirement...

  • Benefit crystallisation events and the lifetime allowance charge - Royal London for advisers

    ...received if they had taken benefits at age 75. The pension used is the pension before any commutation for tax-free cash. However if tax-free cash is provided separately (as is common in public sector schemes), that would be added in as a lump sum. The total amount is tested against the lifetime...

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    Pension freedom

    Defined Benefit

  • Social media - Royal London for advisers

    Our social media channels Stay up to date with the latest news and information from Royal London through our social media channels. Twitter Our twitter feeds cover all you need to know from pensions to investments to protection to sector updates to cricket and more besides. @RLpensions  Our feed...

  • Pensions CPD hub - Royal London for advisers

    ...schools. What the opportunities are for advisers. Some of the structures implemented by private schools that have already exited the TeachersPension Scheme. Some of the advantages and disadvantages of alternative arrangements. The consultation process and the importance of member engagement. Listen...

  • Local seminar - 11 June - Royal London for advisers

    ...consider the various options a business owner has on retirement. We consider pensions and other wrappers but also using the proceeds from a pension fund to purchase a property.  The final section concerns death benefit. The benefits of pensions aren’t just during the lifetime of the client. Passing...

  • Local seminar - 12 & 13 November - Royal London for advisers

    ...certificate of 45 minutes will be offered for Justin's session. Hear Senior Business Development Manager, Justin Corliss present 'Workplace Pensions - A twist in the tale. Steve Webb - Pension landscape 2019 Steve Webb, Director of Policy at Royal London will provide an update on the latest initiatives...

  • Royal London Seminar - Royal London for advisers

    Development, Clare Moffat, who will present The business owner. Steve Webb - Pension landscape 2019 Steve Webb, Director of Policy at Royal London will provide an update on the latest initiatives from regulators and government which will shape the world of pensions in the coming year. This will include...

  • British Steel Pension Scheme independent review - Royal London for advisers

    ...of the communications and support provided to members of the British Steel Pension Scheme (BSPS) during the restructure and ‘time to choose’ exercise conducted in 2017. This review, requested by The Pensions Regulator (TPR), wasn’t aimed at blaming the employer, trustees or other parties. Instead it aims...

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  • Local seminar 12 September - Royal London for advisers

    ...on retirement. We consider pensions and other wrappers but also using the proceeds from a pension fund to purchase a property and the implications of death on these strategies.  Learning outcomes: Consider the benefits of pensions for the business owner Understand and describe the issues for the business...

  • 2011 Budget Summary - Royal London for advisers

    ...allowance from 6 April 2012. The Chancellor did announce that the Government's intention to move to a single state pension of approximately £140 a week would result in the end of contracting out for defined benefit pension schemes. The Department for Work and Pensions will publish a Green Paper...

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    Information and guidance

  • Our summary and thoughts on the FCA’s recent feedback statement 19/5: Effective competition in non-workplace pensions - Royal London for advisers

    ...competition in the non-workplace pensions market in the UK. Their aim is to reduce the complexity and increase the transparency of charging structures between different pension products. The FCA is seeking feedback and is keen to explore any alternatives to its ideas with interested parties...

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    Opinion

    Workplace pensions

  • State benefits pension and manuals - Royal London for advisers

    ...and region. PEN6 Cost of Registered Pension Scheme Tax Relief: Occupational schemes in the public and private sectors and individuals' personal pensions. section 4 - details of the data used in this publication and the estimation methodologies Office for National Statistics - Pensions, savings...

  • We’re ready for the Insurance Distribution Directive Review - Royal London for advisers

    ...for firms designing and selling insurance products. It aims to improve protection for customers who buy products in the insurance sector, including insured pensions, and creates a standard approach for selling insurance. It also helps us to: Create a standard process for designing and developing our...

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  • Small lump sums - Royal London for advisers

    , previously £2,000.  A maximum of three non-occupational pensions can be communited under the small pot rules. No limit on the number of occupational pension pensions that can be communited under the small pot rules. You may also find the following articles useful: Triviality lump sums for defined...

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    Information and guidance

  • 5 reasons why you might put pension death benefits into trust - Royal London for advisers

    Five reasons why you might put pension death benefits into trust Clare Moffat 27 June 2018 Share Share Clare Moffat looks at when a trust could be a good option for your clients. Death benefit freedoms mean that clients in a fully flexible scheme can pass on their pensions to anyone. However...

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  • Helping solicitors with inheritance tax and pensions - Royal London for advisers

    ...for advisers How inheritance tax might apply to a pension transfer (deceased estate taxed in Scotland) Pensions are not normally subject to inheritance tax (IHT).... About the author Clare Moffat Head of the Intermediary Development & Technical Team Clare qualified as a lawyer and Notary Public...

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  • Local seminar - Royal London for advisers

    ...for many different pension providers there before moving to Prudential for over 6 years and ended up leading the pensions side of the external facing technical team which involved presenting, writing articles for the press and developing adviser facing content. Clare joined Royal London in May 2018...

  • Local seminar - Royal London for advisers

    Clare Moffat -Developing professional connections - divorce and death A pension can be the biggest and largest asset after the family home. Whilst divorce rates in general are falling, the proportion of divorcees over age 65 is increasing and typically this age group will have the largest and most...

  • How to use wills to protect your clients' wishes - Royal London for advisers

    How to use wills to protect your clients’ wishes Ross Jackson 6 March 2017 March is Free Wills Month! Free Wills Month brings together a group of well-respected charities to offer members of the public aged 55 and over the opportunity to have their simple wills written or updated free of charge...

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    Blog

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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.