Julie Darlington, director of regulation, 2plan Wealth Management, looks at how the complexities of the tax system impact pension planning.
The financial services industry has taken the brunt of an unprecedented amount of significant changes in the past few years: global economic recession and a banking crisis; pensions reform; the RDR and various FSA thematic reviews; and most recently a new political era under the recently formed coalition government. Interestingly, since 1997 we have had 13 different pensions ministers – hardly the ideal foundation for stability in one of the most important posts in government. At the time of writing however, the good news is the industry appears overwhelmingly to have taken to the appoin...
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