Description
The single definitive resource on pensions and retirement planning for the adviser and professional community. This new edition provides a practical guide to help advisers give effective pensions advice in a swiftly changing environment. Pensions and retirement planning 2011/12 is unusually broad in its approach and scope. Written in a clearly structured and accessible format, it will allow advisers to work with their clients confident that they have covered all the key planning issues.
The 2nd edition includes a new introduction setting the scene for pensions planning advice, and includes a full update covering all the major pensions tax and rules changes from 2010 and the 2011 Budget. The end of compulsory annuitisation and the gradual convergence of the retirement age, plus the advent of NEST in 2012, means that developments are coming thick and fast with which advisers must keep up to date.
Divided into six parts, the book covers:
• The pensions environment - the role of government, state pensions, the regulatory framework
• The tax framework - simplification, controls on inputs and outputs, authorised payments
• The legal framework - occupational and individual pensions, pensions and divorce
• The accumulation stage - defined benefit and defined contribution schemes, non-pension options
• The decumulation stage - pension commencement lump sum, secured and unsecured income options, phased retirement, alternatively secured pensions
• Advice issues - setting clients retirement goals, investment issues, choosing the right income route, estate planning, product selection
Rob Gaines,
The author of a number pension titles, including the Pensions Factbook, as well as a regular contributor to a range of financial publications. He is also a pensions consultant for a several advisers and providers and a trainer for CII and CeMAP exams
Taxbriefs
Taxbriefs has been at the forefront of financial publishing for over 35 years. It boasts a broad portfolio of newsletters, books and other publications writen by and for the intermediary market and its customers.
