Pensions
Pension Contributions Advice
Pension contributions are the single most tax-efficient way most people will ever save. We help you put the right amount in, from the right pot, in the right tax year.
Why Choose Us
Maximise the tax relief, use the allowances
Annual allowance, tapering, MPAA, carry forward — pension contribution rules reward those who plan ahead. We make sure you don't miss the relief you're entitled to or trigger a charge by accident.
- Annual allowance, tapering and MPAA checked before any contribution
- Carry forward modelled across the previous three tax years
- Personal vs employer vs salary sacrifice compared explicitly
- Higher-rate tax relief claims explained for self-assessment
- Spousal and Junior SIPP contributions integrated into household planning
The value of pensions & investments and any income from them can fall as well as rise and you may not get back the original amount invested.
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.
Your Journey
A straightforward process
Allowance Check
We work out current, tapered and carry-forward allowance available to you.
Source & Route
We decide between personal, employer and salary sacrifice contribution routes.
Contribution Plan
Written recommendation covering amount, timing and tax claim mechanics.
Annual Top-Up
Reviewed each tax year — particularly before the 5 April deadline.
FAQs
Common questions
How much can I contribute each year?+
The current annual allowance is £60,000 (gross), tapered for higher earners and reduced to £10,000 (the MPAA) if you've already flexibly accessed pension income. Contributions above the allowance can attract a tax charge.
What is carry forward?+
If you didn't use your full annual allowance in the previous three tax years, you can carry it forward and add it to this year's allowance — provided you had a pension in those years and have enough relevant UK earnings. This can allow substantial one-off contributions.
How does tax relief work?+
Personal contributions receive basic-rate tax relief at source. Higher and additional-rate taxpayers can claim further relief via self-assessment. Employer contributions are paid gross and usually deducted from corporation tax — often the most efficient route.
Salary sacrifice or personal contribution?+
Salary sacrifice swaps salary for an employer pension contribution and typically saves both income tax and National Insurance for you and the employer. It's not always available and not always best, but worth modelling carefully.
Can I contribute for a non-earning spouse or child?+
Yes — non-earners can contribute up to £2,880 net (£3,600 gross) per year and still receive basic-rate tax relief. Junior SIPPs can be opened for children with similar limits.
Don't leave tax relief on the table
A quick allowance review will show you what you can still contribute this year — and how to claim every penny of relief.