Price: £67.00 including p&p Format: A5 perfect bound, c.450 pages Published: July 2012 ISBN: 978-1-905482-56-6 Authors: Rob Gaines and Ian Naismith

“Your guide to timely pensions advice for your clients”

Pensions and Retirement Planning 2012/13 demonstrates the increasingly important part of pensions provision in the adviser’s role. This practical guide allows you to be confident that you have covered all the issues in the process of advising clients in the complex and ever changing area of pensions and retirement planning.

Practical strategies for pension advice...

Pensions and Retirement Planning 2012/13 is compiled in a clearly structured and accessible format and covers the main aspects of pensions and retirement planning advice providing recommended solutions for key stages of your clients’ requirements.

Helping you easily understand complex and technical pensions issues...

Pensions and Retirement Planning 2012/13 provides a clear focus on the application of planning strategies across the key areas of:

• The pensions environment - the role of government, state pensions, the regulatory framework
• The tax framework - simplification, controls on inputs and outputs, authorised payments
• The legal framework - occupational and individual pensions, pensions and divorce
• The accumulation stage - defined benefit occupational schemes, defined contribution occupational schemes, individual arrangements, non-pension options
• The decumulation stage - pension commencement lump sum, secured income options, drawdown pension options, phased retirement
• Advice issues - setting clients retirement goals, investment issues, choosing the right income route, estate planning, product selection

Pensions and Retirement Planning 2012/13 is your essential and accessible tool to guide both you and your clients through the pensions maze.