Bulletins & News

In this section you can find our popular bulletins and news. Written by one of our directors, they cover a whole host of topics and financial and economic issues – not just SSAS (Self Administered Pension Schemes).

Please feel free to comment upon any of the points raised in any of the bulletins and / or news. We would delighted to hear from you and will get back as soon as possible.

Bulletins

Bulletin 87 – February 2018

In this issue we focus on:

  • ISA’s
  • CGT Allowance
  • Pension Contribution Annual Allowance
  • Money Purchase Annual Allowance
  • Pensions in Drawdown
  • Marriage Allowance

pdficon_small Click here to read the full bulletin.


Bulletin 86 – January 2018

In this issue we focus on:

  • A new year – a fresh start and a new beginning.
    Sounds hammy doesn’t it – but wait… 

pdficon_small Click here to read the full bulletin.


Bulletin 85 – December 2017

In this issue we focus on:

  • Money Purchase Annual Allowance
  • Workplace Pensions

pdficon_small Click here to read the full bulletin.


Bulletin 84 – November 2017

In this issue we focus on:

  • Legacy Planning and Taxation
  • Residence Nil-Rate Band

pdficon_small Click here to read the full bulletin.


Bulletin 83 – October 2017

In this issue we focus on:

  • A ‘Heads-Up’ on New Property Regulations
  • Asbestos Reports

pdficon_small Click here to read the full bulletin.

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News

SSAS and Legal Entity Identifiers

SSAS

From 3rd January 2018 it will be a requirement for legal entities and structures to obtain a reference called a Legal Entity Identifier (LEI) from the London Stock Exchange in order for the trustees of a SSAS to carry on investing. This article looks at what an LEI is, what determines whether a SSAS needs one, and what the costs are if it does.


Pension Scams and SSAS: The Government’s Consultation Response

SSAS

28 Page Document Summarises the Outcome of the Government’s Consultation On 21st August 2017, the Government in a combined paper from the Treasury and the Department for Work and Pensions, published it’s long overdue and much anticipated response to its


SSAS and the 2017 Budget

SSAS

What Items in the Recent Budget Will Have an Impact on SSAS? It’s just over a month since the budget of March 8th, 2017. This article looks at some of the changes announced in the budget that are likely to


2017. A Good Year for SSAS?

SSAS

When it Comes to Pensions, will 2017 be the Year of the SSAS? As specialists in Small Self Administered Pension Schemes (SSAS) for many years, we have been providing expert service and advice for the setting up and running of


The Benefits of a SSAS

SSAS

Small Self Administered Schemes. The Self Invested Pension of Choice? A Small Self Administered Scheme allows savers to diversify their pension money across a wide range of assets, including commercial property, and benefits from generous tax allowances from HMRC. The SSAS market


SSAS in the Spotlight

SSAS

Two announcements by the Government last November regarding pension schemes and scamming along with a gradual reduction in the number of tax loopholes that are often used by businesses and high earners, means that use of tax planning and retirement vehicles is growing in importance. The Small Self Administered Scheme is one of these vehicles. Because a SSAS offers a high degree of flexibility when it comes to retirement, investment and death benefit options, we believe there has never been a more important time to establish a SSAS for business owners and their families.


When Retirement is not Retirement

SSAS

A significant number of you may well have noticed that you have friends and family who have masterminded a lifestyle change once they have reached age 55. You may be one of them. Either way, significant changes in society and


Pensions Cold Calling Ban

Pensions Cold Calling

In the Chancellor’s recent Autumn Statement, one of the proposed bills was for a ban on pensions cold calling. Such cold calling has been increasing rapidly since the introduction of pension freedoms in 2015, so we welcome this proposal. However, will


Small Self Administered Schemes and In-Specie Contributions

Pensions Cold Calling

In-Specie tax relief has been blocked by HMRC for 26 SSAS and SIPP firms. Small Self Administered Schemes and SIPPs are governed by tight rules set by HMRC. As specialist SSAS administrators it is our job to keep up to


SSAS Health Check

SSAS

Are you Concerned That Your SSAS is not Being run Properly? Contact us for a SSAS Health Check. We at PML have been dealing with SSAS’s for more years than we would like to remember, so we’ve seen pretty much


5 Key Things to Look Out for With SSAS Scams

SSAS

In recent months we have commented upon the considerable increase in the incidence of pension scammers trying to use Small Self Administered Schemes as a means of fooling unwary investors into losing their savings. This article looks at how these


SSAS and Brexit Uncertainty

Pensions Cold Calling

The EU has never liked or understood our Trust law in relation to pensions and because of this the UK Pensions regime has been relatively untouched by the EU, other than the imposition of unisex annuity rates. This is one


Pensions and The Tale of Four Pensions Ministers

SSAS

We have just seen the rapid appointment of a new Prime Minister and her Cabinet. Have a look at Geoff’s August bulletin regarding his views on the financial world after the Brexit Referendum. In the meantime, the post Brexit world


SSAS and Pension Scammers

Pensions Cold Calling

SSAS, Master Trusts and Pension Scammers SSASs are not regulated products, although the investments within may be regulated by the FCA.  This means that a SSAS is effectively a Master Trust which can be subject to abuse by Pension Scammers.


Auto Enrolment and Master Trusts

SSAS

Auto-Enrolment: Master Trusts and Group Personal Pensions Many of you will now need to consider a Workplace Pension either as a business owner or as a member of staff. Here at Pensions Management Limited, we have been guiding our clients


Small Pension Pots and Dashboards – Pension Terminology

Pensions Cold Calling

You may be forgiven for assuming this news item is (thankfully) nothing to do with pensions.  Maybe a little light relief to celebrate the start of summer?  Unfortunately, no! You should be aware by now that the world of pensions attracts


Penalties for Auto Enrolment Failures are Increasing

Pensions Cold Calling

Escalating penalties issued by the Pensions’ Regulator for auto enrolment failures quadruples. Between January and March 2016, The Pensions Regulator issued 96 escalating penalty notices to employers who failed to comply with auto enrolment rules, a quadrupling of the number


SSAS are increasing in popularity

SSAS

SSAS increase in popularity with Advisers due to the growing popularity of Pension-led funding opportunities.  SSASs have been around since the early 1970s and the market for SSAS is worth c.£26bn, and yet until recently, the perception is that they have


Pensions Freedoms – Major Review by FCA

SSAS

Pension Freedoms – Review into Mis-selling and Poor Deals.  We have had the new Pension Freedoms for over 12 months now, and the Financial Conduct Authority (FCA) has just announced that it will undertake a major review amid fears of


SSAS and Stamp Duty

Pensions Cold Calling

Good News for SSAS in the Budget with the Zero Rate Band on Commercial Stamp Duty. In the recent March 2016 Budget, the Chancellor announced that there will be a change in the way that stamp duty on commercial property is


Pensions and Brexit

SSAS

Different Brexit Scenarios – The terms of any Divorce? Here at Pensions Management, we will be remaining professionally neutral about Brexit, but we do intend to comment on some of the likely implications for a vote to exit the EU,


Small Self Administered Schemes are popular with SMEs

SSAS

Small Self Administered Schemes – SSAS – are growing in popularity.  As experts in Small Self Administered Schemes (SSAS), we have always been aware of the advantages they have, especially for directors of businesses in the SME sector that we


Sipp providers need to hold more capital reserves

Pensions Cold Calling

SIPP Providers Need to Demonstrate Capital Adequacy This September we are seeing implementation by the FCA of SIPP Providers having to demonstrate capital adequacy in their books in order for them to continue to offer the SIPP proposition.  This article


Pensions Freedom – The Death of Retirement?

SSAS

The Death of Retirement? In this article we look at how Pensions Freedom has completely changed the perception of retirement in the UK (Click here to see our bulletin from the original announcement). Indeed the effect could be called the


SSAS and its Growth for Occupational Pensions

Surge in SSAS due to Pension Freedom. Towards the end of last year it was reported that there had been growth in the setting up of Small Self Administered Schemes, with a key reason for this being down to the


SSAS and SIPP. What’s the Difference?

SSAS

What’s the difference between a SSAS and a SIPP? Here at Pensions Management we specialise in Small Self Administered Schemes (SSAS), providing expert service and advice for the setting up and running of SSASs for clients of all sizes, but


Confusion Over Pension Freedom Tax Rules

Pensions Cold Calling

Over 50% of People Saving for Retirement are Confused about the new Pension Freedom Tax Rules.  Pension Freedom is certainly a revolution in Pensions in the UK, but inevitably, perhaps, there are areas of uncertainty that require clarification, and one


Owner/Directors and Small Self Administered Scheme

SSAS

Should Owner/Directors Start a Small Self Administered Scheme? A Small Self Administered Scheme (SSAS) is a type of UK occupational pension scheme, often referred to as an Investment Regulated Pension Scheme, which is well worth considering as a pension vehicle,


Chartered Financial Planners Status Renewed

PML Financial Services’ Chartered Financial Planners Status is Renewed. We are delighted to announce that PML Financial Services has had its prestigious Chartered Financial Planners  status renewed by the The Chartered Insurance Institute (CII) for another year. What is Chartered Financial Planners Status? Chartered


Pension Freedom – Beware the Pension Scammers

Pensions Cold Calling

More About Pension Freedom and the Pension Scammers.  There is no doubt that Pension Freedom has proven to be popular, so far. The right of people to withdraw their retirement savings and do what they want to do with them


Pension Freedom and Charges for Advice

SSAS

Pension Freedom and the Increase in Charges for Financial Advice.  As we point out in our Bulletin 60, Pension Freedom has meant that a whole new world of pension provision, investment, life-planning and inheritable wealth has descended upon us. Pension


Drip Feed Your ISA To Minimise Risk

SSAS

Drip Feed Your ISA.  Since last July, the ISA rules were almost completely relaxed. There is still a limit you can save in an ISA – £15,240 from 6 April 2015 – but you now get to choose how you


Pension Schemes and Salary Sacrifice

Pensions Cold Calling

Salary Sacrifice and Registered Pension Schemes.  At PML Group we specialise in company pensions.  As well as our SSAS proposition for business owners we also advise on staff pension schemes. One area of pension provision that we are seeing more


Auto Enrolment Dates – Do You Know Yours?

SSAS

Auto Enrolment – over 62% of small firms are unaware of their Auto-Enrol dates.  Although workplace pensions and auto enrolment have been with us for quite a while now, it is still being reported by The Pensions Regulator (TPR) that


Pension Scams and Pension Freedom

Pensions Cold Calling

Pension Scams and what to look out for? Since April 2015, the pensions landscape has changed following the introduction of what we call Pension Freedom. As a result, pension scheme members are now able to access their pension savings in new


Small Self Administered Scheme and the July 2015 Budget

SSAS

The Implications for SSAS (Small Self Administered Scheme) from the July 2015 budget.  The July 2015 Budget, the first from the new Government, announced some forthcoming changes to pension and tax rules in the UK that will affect our typical SSAS


Small Companies and Auto-Enrolment

SSAS

The Pensions Regulator (TPR) and Small Companies Coming Up to Auto-Enrolment.  The on-going process of the introduction of Workplace Pensions and the auto-enrolment of employees is a long and complex one, but is also one where we are pleased to


The Financial Services Compensation Scheme for Deposits

SSAS

A Reduction in the Financial Services Compensation Scheme’s Limit for Deposits.  The Financial Services Compensation Scheme limit for deposits is to be cut from £85,000 to £75,000 per individual, per bank licence, with effect from the 1st January 2016, as


Pension Freedom and State Benefits

SSAS

Pension Freedom and how it might affect entitlement to State benefits.  From April 6th 2015 when the new pension flexibilities – what we call Pension Freedom – came into effect, it meant that if you are aged 55 or older,


The State Pension is Changing

SSAS

The State Pension Explained The state pension is changing. Click here for a quick overview from the government. Inevitably, people want to know what the changes are and, more importantly, what their state pension will be when they reach state pension


Pension Flexibility and Reclaiming Overpaid Tax

SSAS

Pension Flexibility: Taxation of Flexible Pension Payments Since the introduction of the new pension flexibility changes, that took effect from 6th April 2015, there has been a steady flow of updates from HMRC to the pensions’ industry to help things


Are there exemptions for Automatic Enrolment?

SSAS

An Exemption under the Automatic Enrolment Legislation.  The legislation for Automatic Enrolment as part of the employers’ duties relating to Workplace pensions is long and detailed. The ‘detailed guidance for employers booklet’ published by the Pensions Regulator runs to 33


Fines for Automatic Enrolment non-compliance?

SSAS

1st June 2015 – an important date for Automatic Enrolment and smaller employers Automatic enrolment for larger employers to enrol their employees into a workplace pensions scheme has been around for the best part of 2½ years. However, 1st June


New Pensions Minister

Pensions Cold Calling

Ros Altmann appointed Pensions Minister.  At Pensions Management Limited, we were much encouraged to hear of the appointment of pensions’ champion, Dr Ros Altmann CBE to the role of Pensions Minister within the Department of Work and Pensions as part


Setting up a SSAS? Appoint a Professional Trustee

Pensions Cold Calling

The Pitfalls of Member Trustees Running Their Own SSAS.  We have now got a high profile pensions regime, which allows complete freedoms for the over 55s and a more generous tax regime for passing on pension funds to beneficiaries on


We’ve been awarded Chartered Financial Planners Status

SSAS

PML Financial Services is Awarded Chartered Financial Planners Status.  We are delighted to announce that The Chartered Insurance Institute (CII) has awarded the prestigious Chartered Financial Planners title to PML Financial Services Ltd. PML Financial Services Ltd was set up


Pensions and the Budget

SSAS

Bulletin 52: Pensions and the Budget. What might the Chancellor do for Savers? With the Election just around the corner, it’s tempting to engage in the guesswork of what the Chancellor might pull out of his hat for savers in


Pre Year-End Tax Saving

SSAS

Bulletin 51 Pre Year-End Tax Saving and Special Contribution Opportunities It’s that time of year again when we’re reminded to reconsider the tax-efficiency of our financial affairs for tax saving purposes. We’re asked to look again at familiar ‘to do’


Bulletin 49 – The Autumn Statement and The OBR Report

SSAS

The Chancellor’s Autumn Statement and The Office of Budget Responsibility’s report Bulletin 49, our last bulletin of 2015, focuses on the Chancellor’s Autumn Statement and on the reality behind the latest Office of Budget Responsibility’s report. Click here to read


Pensions news for accountants and solicitors

SSAS

Pensions News for Accountants and Solicitors from PML following the Chancellor’s Autumn Statement.  We thought we would draw your attention to what is happening in the pensions’ world, having been prompted by the recent Autumn Statement from the Chancellor. Specialists


Bulletin 48 – The Chancellor’s proposed pension changes

SSAS

Welcome to Bulletin 48 – The Chancellor’s proposed pension changes  In our latest bulletin we look at the Chancellor’s proposed pension changes, including: Taxation Easements on Lump Sum Settlements. Now that we’ve had time to reflect on the proposed pension


The remarkable Mr. Osborne has (almost) scrapped pensions tax.

SSAS

Bulletin 47 starts with our thoughts on the Chancellor’s latest announcement on the proposed easements to pension structures and pensions tax in the UK. We’ve called the article the remarkable Mr. Osborne, because following on from Pension Freedom, he’s now (almost)


Removal of the 55% tax rate on pensions at death

SSAS

This news item provides further detail on the removal of the 55% tax rate on pensions at death, following the Chancellor’s announcement on 29 September 2014. The tax rate of pensions at death, and the technical details of this proposal,


Good news for pension savers in SSAS, SIPP or in any other “Defined Contribution Pension Scheme”

SSAS

This ‘good news’ for pension savers in SSAS (small self administered schemes), SIPP or in any other Defined Pension Contribution Scheme was announced by the Chancellor, George Osborne, at the Conservative Party Conference on 29 September 2014. Whether or not


Bulletin 46 – The New World of Pensions

SSAS

New pension legislation will bring in the most radical change to pensions we’ve witnessed in a lifetime. The Government’s draft Taxation of Pensions Bill is now speeding through its four week Consultation Period, whilst the amendments to the Finance Act


Pensions Management Limited is 16 years old!

SSAS

On 1st September, we celebrated our 16th Birthday, here at Pensions Management Limited. On 1st September 1998, Robert Taylor and Geoff Stait started Pensions Management Limited to provide excellence in the setting up and running of Small Self Administered Schemes (SSAS)


Bulletin 45 – Residential property prices, where are they going?

SSAS

In this latest bulletin, we look at residential property prices in the UK. The continuing slide in domestic property prices experienced by many of our European neighbours shines a piercing light upon UK property values. With the economy being so


Finance Bill 2014 receives Royal Assent

SSAS

On 17 July the Finance Bill 2014 received Royal Assent. This confirms that from 27 March 2014 the minimum qualifying income requirement for Flexible Drawdown is reduced from £20,000 to £12.000 per annum. In addition the maximum capped drawdown is increased


Bulletin 43 – Pension Freedom and Transfer Options

SSAS

Pension Freedom and Transfer Options. Pension Freedom was, in the Chancellor’s words, “the first step in the Government’s radical plan to change the tax treatment of defined contribution pension schemes, to bring them into line with the modern world” to ensure that,


Workplace Pensions – Are you ready for Auto-Enrolment?

SSAS

Benjamin Franklin observed that there are two certainties in life – death and taxes.  Now there is a third certainty that, as an employer, you must automatically enrol your employees into a workplace pensions scheme before April 2017, otherwise The


The 2014 Budget – What does it mean for pensions?

SSAS

The 2014 budget saw one of the biggest changes in pension for some time. Click here for a brief review of the main points.


The 2014 Budget – What does it mean for Pensions?

The 2014 budget has seen one of the biggest changes in pensions for some time.  Very briefly the main points are: The maximum drawdown available is increased from 120% of the GAD rates to 150%.  This applies to pension years


Britain’s Debt Problem – does it really matter?

SSAS

In his latest blog, Geoff Stait looks at Britain’s debt problem, and asks “does it really matter?” In the year 2008/2009 the country’s net debt – Britain’s debt problem – totalled £626.6 billion.  By the end of 2013 that net debt


Britain’s Debt Problem – Does it really matter?

In the year 2008/2009 the country’s net debt – Britain’s Debt Problem – totalled £626.6 billion.  By the end of  2013 that net debt figure had risen to £1.254 trillion.  Today our Net Debt figure stands at £1.334 trillion …. and


Bulletin 40 – The Recovery, The Debt Problem and Savers Revenge

SSAS

Bulletin 40 focuses on the economic recovery, the Debt Problem in Britain and Savers revenge. As ever, Geoff Stait raises some very important issues and gives his own thoughts on what is happening and why in these key areas, and


Bulletin 39 – Annuity Market Deficiencies, Workplace Pensions and 5th April deadline

SSAS

In this issue, Geoff focuses on: The 5th April deadline before changes in Lifetime Allowance and Annual Allowance. Now is the time to act; The extent of deficiencies in the annuity market, and: Workplace Pensions – the experience to date.


Bulletin 38 – Interest rates and the recovery

SSAS

In this first bulletin of 2014, Geoff looks at: Interest rates and the recovery and recommends some actions that are worth considering before the April 2014 pension allowance restrictions come into force. Geoff also apologises for what he felt was


Bulletin 37 – looking back on 2013 and forward to 2014

SSAS

In this bulletin, the last of 2013, Geoff reflects on some of the things that have happened this year, before looking at some of the opportunities that he sees as being likely to arise in 2014. In particular, he comments


Read our latest BLOG on Royal Mail Privatisation

SSAS

Royal Mail privatisation – good for everyone? All of you will have been aware of the recent Royal Mail privatisation, and some of you will have bought shares and done quite nicely as a result. However, Geoff Stait asks whether


Royal Mail Privatisation. Good for everyone?

Royal Mail privatisation through the fire sale of Royal Mail shares briefly became a bit of an embarrassment to the Government – with Sir John Major claiming that the Company had been “catastrophically undervalued” – and calling for an enquiry


Bulletin 36 on Workplace Pensions is ready to read

SSAS

In bulletin 36 you will find Geoff Stait’s thoughts on Workplace Pensions, the biggest change to pensions in the UK in a century. He points out the change is well underway as it’s over 12 months since the largest employers


Bulletins 21-24 now available from the SSAS pension specialists

SSAS

Have a look at Bulletins 21 – 24 for more about SSAS pension and other pension related articles and thoughts. We have been publishing our back catalogue of bulletins about SSAS pension and pension related issues on this website, and


Read our first BLOG on the Help to Buy Scheme

SSAS

Our first BLOG on the Help to Buy Scheme is ready for your comments. To keep Geoff busy, and you interested, we’ve now launched a BLOG section on our website. Intended as shorter pieces than our bulletins, Geoff’s BLOGs will


News Bulletin 35 is live and ready for your comments

SSAS

Bulletin 35 from Pensions Management is live AND you can comment on it The latest in the popular series of Bulletins from Pensions Management Limited, issue 35, is now ready to read on our website. Click here to go straight


Help to Buy. Is George Osborne the new Pied Piper?

Welcome to our first blog. I just can’t get it out of my head – this image of George Osborne as the Pied Piper, trilling the merits of his latest “Help to Buy” scheme and merrily leading unwitting house buyers into a pit of negative equity home ownership.

His recent summary introduction of “Help to Buy” Mk III (an entirely taxpayer funded Mortgage Indemnity Guarantee Scheme) will doubtless give the housing market another boost – just at a time when the new-build order books are filling up nicely.


Bulletins 1 – 10 now on-line from the Small Self Administered Schemes specialists

SSAS

Our popular bulletins have now reached the 34th edition, and all who read them will know that they are not just about small self administered schemes. In fact, they’re quite rarely about self administered schemes. The first bulletin was written


Bulletin 34 featuring ‘the freedom of SSAS’ is now ready to read

SSAS

Bulletin 34 is now ready to read, featuring Geoff Stait’s personal thoughts and comments on the freedom of SSAS, and: The dangers of ‘Pension Liberation’ What to do if you are approached to ‘liberate’ your pension The reduction in pension


News on Contracted Out Policies

SSAS

Contracted Out Policies with an insurance company became available in 1988 and many people now have such arrangements.  Recent legislation has taken away the restrictions on what can be done with these funds at retirement, which is any time after


FREE report and 50% off SSAS set up

SSAS

If a you think a SSAS (small self administered scheme) is the right solution for you, we will complete a comprehensive report, FREE of CHARGE, detailing the potential for such a scheme, the likely benefits it could bring, and how


50% or more off SSAS takeovers

SSAS

If you have a SSAS and are not satisfied with the service you are getting from your existing pension administrator, please let us know, because we are offering a reduced fee to potential new clients who want us to take over the administration of their SSAS.


Pension Liberation Fraud

SSAS

The Pensions Industry is currently being subjected to predators stalking pension transfers – often known as Pension Liberation Fraud.  Companies are actively marketing through text messages, websites, adverts and newspapers and cold calls and offer to transfer your pension scheme


Syndicated Property Investments for Pension Schemes

SSAS

Many of our Small Self-Administered Schemes own commercial properties either let to the Members’ own business at open market rents or to Third Parties. Another way of owning real estate is to participate in syndicated property investments, which are a share


Nicky Knowles wins a Kindle Fire HD in our competition

SSAS

Our competition to win a Kindle Fire HD closed on 7th June. We had plenty of entries, all of whom had something nice to say about our new website, so a big thank you to everyone who entered. The winner


Andris Nelsons, the Music Director at the City of Birmingham Symphony Orchestra, to move to Boston

SSAS

Andris Nelsons, the brilliant Music Director of the City of Birmingham Symphony Orchestra, and one of the most sought after young conductors around has been appointed to a similar position at the Boston Symphony Orchestra. Naturally, we’ll be sorry to


Our Bulletins are now on line! Edition 30 is ready to view.

SSAS

One of our directors writes a regular news bulletin, giving his personal views on a whole host of financial and economic topics, as well as small self administered schemes, and now you can read them here. They have proven to


Welcome to our New Website

SSAS

Welcome to the PML Group’s new website, which covers our 3 operating companies: Pensions Management Limited (specialising in small self administered pension schemes), PML Financial Services and PML Trustees.


SIPP and SSAS News from the 2013 Budget

Pensions Cold Calling

Not everything in the Budget actually makes it into the Budget speech and, therefore, is not widely reported in the popular press. We make sure we keep an eye on all of the Budget proposals so that we are fully up to speed and can advise our clients accordingly. There are normally some changes proposed to SIPP and SSAS, and this year was no exception.


PML Financial Services – Authorised and Regulated by the Financial Conduct Authority

On 1st April 2012 the Financial Services Act 2012 came into force, creating a new regulatory framework for the Financial Services industry. The main change for us at PML Financial Services is that the Financial Services Authority has been abolished and replaced by the Financial Conduct Authority (FCA).


State Pension News: The Early Arrival of the Single-Tier State Pension

Pensions Cold Calling

The 12 month shortening of the arrival date of the new Single-tier state pension to the 6th April 2016 pitches this huge event right into the middle of the compulsory Staging Dates for Workplace Pensions of most small employers.

* Please remember that the opinions expressed in these bulletins and blogs are those of the author and not those of Pensions Management Limited, PML Financial Services Limited or PML Trustees Limited. The material provided is for general information only and does not constitute investment, tax, legal or other forms of advice. You should not rely on this information to make (or refrain from making) any decisions. Links to external sites are for information only and do not constitute endorsement. Always obtain independent professional advice appropriate to your own particular circumstances.

  • SSAS and Legal Entity IdentifiersWhat are Legal Entity Identifiers and Does Your SSAS Need One? From 3rd January 2018 it will be a requirement for legal entities and structures to obtain a reference called a Legal Entity Identifier (LEI) from the London Stock Exchange in order for the trustees of a SSAS to carry on investing. This» Read More
  • Mr D.B.PML always puts my interests first. Being a fairly cynical type, I have not always found it easy to be convinced that the pension adviser I am talking to for advice and guidance is genuinely prepared to put my interests before his own potential earnings from commission!
  • How we work closely with Financial Advisers (Part 1)At Pensions Management Limited, we often work with a client's Financial Adviser. Such cases usually involve us in: providing good administration, commercial property purchase, flexible use of options or just listening and talking about possible options and alternatives. We have always prided ourselves in being approachable. A Financial Adviser asked us to» Read More