Pension tracing checklist
Checklist for pension advisers
For pension advisers who want people approaching retirement on their list before they have a full picture.
Guide
Pension tax at retirement, explained
How to use this guide
Publish this on your website and share it before retirement seminars. People who understand the tax ask better questions and are readier to talk.
What is inside
What counts as taking moneyA pension is a set of rules around a pot of money.
The tax free partMost people can take part of their pension tax free, usually up to a quarter of the pot, subject to an overall limit that the government
The rest is incomeMoney above the tax free part is usually taxed as income, at the rates that apply to you that year.
How the tax is collectedYour provider takes tax before it pays you, and it may not have your full tax details.
Taking the whole potYou can usually take a whole pot, but it is rarely the cheapest way.
The limit on paying in afterwardsTaking taxable income flexibly from a defined contribution pension can trigger a lower limit on how much you can pay in later with tax
Other income and the State PensionEverything adds together.
Terms used in this guideTax free cash. The part of a pension that can usually be taken without income tax, up to a limit.
Three title ideas for your own version
Pension tax at retirement, explained
How tax works when you take a pension
The tax questions to ask before you take money out
Where to promote it
LinkedInyour websiteretirement seminarslocal newspapers
Why give people a guide to pension tax?
The tax on a first withdrawal catches many people out. A plain guide builds trust and brings people to you before they act.
Make this guide your own
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