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  • Lisa Webster: Charity giving from pensions

    I’m sure many of you reading this on SIPPs Professional will have had more than a few conversations with clients about estate planning – especially considering the news that pensions are to be included in the value of the estate for IHT purposes from April 2027.

  • Tilley: Will IHT reforms really threaten pension saving?

    The Government’s decision to bring most unused pension funds and lump sum death benefits within the scope of inheritance tax (IHT) from 6 April 2027 has provoked widespread criticism from across the pensions industry. Providers, advisers and trade bodies have warned that the change risks undermining confidence in pension saving and damaging long term retirement provision.

  • Lisa Webster: Salary sacrifice cap will hit some hard

    The headline story from Budget 2025 - in the pension world at least - was the plan to cap National Insurance relief for pension contributions paid through salary sacrifice at £2,000 a year.

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In his first column since becoming a blogger for Sipps Professional, James Jones-Tinsley from Barnett Waddingham a Chartered Financial Planner and Self-Invested Technical Specialist, discusses problems with the time delay between pension changes being announced and being cemented in law.

James Jones-Tinsley column: Time for Sipp firms to resolve long-running issue with FCA.



Last October, the FCA released a consultation paper entitled pension reforms – proposed changes to our rules and guidance.

The Financial Conduct Authority’s final rules on Capital Adequacy imply that fixed term cash deposits that cannot be realised within 30 days will have to be classed as a ‘non-standard’ asset.
Last December, the Financial Conduct Authority released Handbook Notice No. 28.

The minimum capital adequacy requirements for directly authorised personal investment firms will be doubled to £20,000 next June.

The latest FCA statement on the new capital adequacy rules strengthens the view that commercial property is, in most cases, a standard asset, a pensions expert says.

The FCA has published what it called ‘minor changes’ to its new capital adequacy rules this afternoon – with one expert saying the original proposals had been ‘watered down’.

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