I think we can all agree that any suggestion that in-specie pension contributions were a viable option for those who were asset rich but cash poor has now been revoked, even if the pensions tax manual (PTM) still implies that it could be possible.

It was with a little fear, back in July, that I read the Public Accounts Committee’s proposal that HMRC should, within 12 months, evaluate the impact of pensions tax relief. 

In this weird world of lockdown many are working from home and having to deal with all the challenges it brings.

As we head towards another Budget and tax year end, we are yet again considering the impact that the Pension Freedoms are having on those retiring now and in the future.