13th November 2015

Scottish Widows September Techtalk

Our Techtalk magazine provides topical expert guidance for intermediaries that anticipates, interprets and forecasts key industry changes and regulation.

A RECORD HIGH FOR SAVINGS – THE SCOTTISH WIDOWS RETIREMENT REPORT 2015

The latest Scottish Widows Retirement Report reveals a record number of people saving adequately for retirement, but still a lot to do to provide a comfortable living standard for the majority. 

AGE DISCRIMINATION, RETIREMENT AND PENSIONS: CHANGING PATTERNS AT WORK?

A look at key aspects of age discrimination legislation applying to retirement ages and workplace pension provision. 

WORKPLACE PENSION SCHEMES AND EMPLOYER CONSULTATIONS

Employers making changes to their pension arrangements in light of their automatic enrolment obligations may have a legal duty to consult their employees. 

LIFETIME ALLOWANCE PROTECTION – READY FOR ANOTHER ROUND?

The Lifetime allowance reduces again from April 2016 to £1m, accompanied by another round of protection. A further reduction means many more clients will be affected and in need of advice. We look at the options available.  

TUPE, PENSIONS AND AUTOMATIC ENROLMENT: UNDERSTANDING THE INTERACTIONS

Employers involved in TUPE transfers often have to comply with both TUPE and automatic enrolment legislation. We provide an adviser’s guide to the essentials.  

AUTOMATIC ENROLMENT: SCHEME CERTIFICATION 

A summary of the automatic enrolment certification options that allow employers to use an alternative definition of pensionable pay for automatic enrolment. 

PENSION FREEDOMS – EDUCATING YOUR EMPLOYEES

The pension freedoms offer more choices, leading to employees wanting guidance and advice from sources including their employer. Poor decisions could mean being unable to retire and poor morale, affecting the employer too. This could lead to new opportunities for advisers.  

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Retirement, Protection