General and tools

Some useful articles and links to tools.

Business structures and pensions

The way in which a business is set up affects the way it can pay pension contributions and the tax relief it can claim.

Consumer duties

Right now, the Financial Conduct Authority is putting the finishing touches to its new Consumer Duty. As we count down to the launch of the new rules and guidance, we wanted to understand what advisers think about the forthcoming changes and how they plan to adjust their existing business practices. 

In our latest research, you can find what advisers are saying about the Duty – along with answers to these key questions:

In this podcast, our experts discuss the key findings from our Consumer Duty research. They explore the challenges advisers face to get their business ready in time and where providers can lend support.

Increase in normal minimum pension age in 2028

The normal minimum pension age is increasing for most individuals on 6 April 2028 to age 57. This change affects people born after 6 April 1971. In this article we explain the changes and the protections available to some individuals. 

CPD |  Pension business owner In this webinar we highlight the rise in business owners and discuss some of the implications in terms of the need for financial planning. We also dig deeper into the limited company, the wholly and exclusively rule and how taxation of dividends work – and much more 

CPD |  Pension hot topics - ISA vs pension - is now the time to invest? We investigate three of the hottest technical pension topics including ISA vs pension and how some individuals may be able to boost their assets by 67% by switching their ISA to their pension.

Parental leave and pensions

We are often asked how parental leave impacts workplace pension schemes in terms of funding in general, auto enrolment and salary exchange. This article explains each of these.

Pensions and bankruptcy

This article explores how bankruptcy can affect pensions.

Pensions scams

An explanation of pension scams and pension liberation and how they work.

Power of attorney

Powers of attorney are a valuable tool that helps vulnerable people have their affairs managed before or when they have lost mental capacity.

The following guides help people who work in regulated markets learn about:

  • Lasting powers of attorney (LPAs)
  • Enduring powers of attorney (EPAs)
  • Deputy court orders

There are different laws and processes in England and Wales, Scotland and Northern Ireland.

England and Wales

The following guide only covers powers of attorney registered in England and Wales and court orders issued in England and Wales.

Office of the Public Guardian (OPG18)


For information about powers of attorney in Scotland

Public Guardian - Scotland

Northern Ireland

For information about powers of attorney in Northern Ireland.


Stakeholder pensions

This analysis looks at some of the more technical requirements that apply to stakeholder pensions.

Tools and support

Our specialist tools help you deliver cost-effective services and cut through the complexities of compliance. 


When may it be beneficial to use a trust? 

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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.