How to alleviate your clients' tax bill

Individuals often claim that pensions are complex and that they prefer to save in investments which can be accessed before age 55. However, even for those who do not believe in pensions there are quite a few situations where pensions can help mitigate tax. Surely all clients believe in saving on tax? Reclaiming personal allowance This is also known as the high earners' tax trap. When an individual has adjusted net income over £100,000 then for every £2, that individual loses £1 of their personal allowance until they have no allowance left. Adjusted net income is total taxable income...