Deferring the new State Pension increases your weekly amount by 1% for every 9 weeks — about 5.8% for a full year. Worked example on the 2026/27 full rate of £241.30 a week.
How pension sharing orders work in a UK divorce: the three main options — sharing, offsetting and earmarking — and how the Annual Allowance and pension tax rules apply after a split in 2026/27.
The Lump Sum Allowance caps tax-free pension cash at £268,275 in 2026/27, replacing the old Lifetime Allowance mechanism. How it works, and the separate £1,073,100 Lump Sum and Death Benefit Allowance.
Once you flexibly access taxable pension income, the Money Purchase Annual Allowance cuts your future tax-relieved pension contributions from £60,000 to £10,000 a year in 2026/27. What triggers it and what doesn't.
The difference between the new State Pension (£241.30/week) and the old Basic State Pension (£184.90/week) in 2026/27 — who gets which, why the gap exists, and how top-ups like Additional State Pension fit in.
How the tapered pension Annual Allowance reduces high earners' tax-relieved pension contributions from £60,000 down to a floor of £10,000 once adjusted income exceeds £260,000 in 2026/27.
What Pension Wise is, who can book a free appointment from age 50, what it does and doesn't cover, and why it's not the same as regulated financial advice — with a worked example of when to use it.
How the small pot pension rule lets you cash in pension pots worth up to £10,000 without affecting the Money Purchase Annual Allowance — worked example and the 3-pot limit for personal pensions.
Trivial commutation lets someone with total pension benefits worth £30,000 or less across all their pensions take the whole amount as a lump sum. Worked example for a small defined benefit pension in 2026/27.
How a bridging pension works for those retiring before State Pension age in 2026/27 — how much extra income you need, how long the gap lasts, and how to fund it.
How to think about a sustainable withdrawal rate from pension drawdown in 2026/27 — the traditional 4% rule, why it may not fit UK retirees, and a worked example.
How phased retirement works using flexible drawdown in 2026/27 — crystallising your pension pot in stages, tax-free cash timing, and combining part-time work with drawdown income.
