Salary sacrifice works differently for a contractor operating through their own limited company than for a standard employee. How employer pension contributions from company profit compare in 2026/27.
Refuse collectors are PAYE local authority (or contractor) employees with early starts, physically demanding shifts and often good overtime and pension provision. Full worked example on take-home pay and shift allowances for 2026/27.
Why UK law requires regulated financial advice before transferring a final salary (defined benefit) pension worth over £30,000, and what the transfer value comparator and tax implications mean in 2026/27.
Reducing hours while starting to draw a pension changes your tax code, may trigger the Money Purchase Annual Allowance, and can affect Marriage Allowance eligibility. How flexible retirement works in 2026/27.
Whether an inherited defined contribution pension is tax-free or taxed at your marginal rate depends on the age the original owner died. The rules, the death benefit nomination and how to claim, explained for 2026/27.
The practical pension, tax code and benefits checklist after losing a spouse or civil partner in 2026/27 — bereavement support payment, survivor pension benefits, tax code changes and Marriage Allowance.
If you're behind on pension contributions three months into the 2026/27 tax year, here's how carry-forward and increased monthly contributions can get you back on track.
Drawing income from more than one pension at the same time often triggers an emergency tax code on the second and later pensions. How to fix it, and claim back any overpaid tax, in 2026/27.
How pension carry forward lets you use unused annual allowance from the previous three tax years, who qualifies, and a full worked example for 2026/27.
At 55 (rising to 57 from 2028) you can access a private pension alongside a redundancy payment. The tax interaction between redundancy pay, pension withdrawals and the MPAA in 2026/27.
Royal Mail postal workers are PAYE employees with early starts, overtime opportunities and a defined pension scheme. Full worked example on take-home pay, overtime taxation and pension contributions for 2026/27.
A detailed worked comparison of buying an annuity versus using flexible drawdown on a £100,000 pension pot at retirement, covering income, tax and risk for 2026/27.
