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Changes to pension legislation.

·   The lifetime allowance is currently £1.5 million, and will reduce to £1.25 million from 6th April 2014.

·   The lifetime allowance is the maximum value of benefits that can be taken from a    registered pension scheme without being subject to the lifetime allowance charge.

·   Benefits in excess of the lifetime allowance could be protected from the lifetime allowance charge by using primary, enhanced or fixed protection.

·   The lifetime allowance charge is 55% if the benefits in excess are taken as a lump sum, or 25% if they are taken as income.

·   Fixed protection 2014 is available which enables members to keep the lifetime allowance at £1.5 million.

·   HMRC estimates that 30,000 people will be immediately affected by this reduction with a further 360,000 affected over the longer term.

Please contact us immediately if you require our advice in this matter on 01698 456200 or at


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