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Public Service Pensions

Working with public sector employees to ensure their pensions are protected

It has been agreed by the government that all public sector pension schemes will be reformed to remove age discrimination. This agreement means that there are now additional possibilities for government employees at retirement.

What we offer

In 2015, the government introduced a new pension scheme for all public service pensions aimed at making these pensions more sustainable and affordable.

Two claims were brought: one against the judges’ pension scheme, (McCloud) and one against the firefighters’ (Sargeant).

Our Financial Planning Team and Private Client Team worked together to provide expert evidence in both tax and financial planning which led to the successful tribunal cases both McCloud and Sargeant. The team detailed the tax consequences of the pension reforms for the claimants along with financial planning reports and, ultimately, the scheme was judged to be discriminatory as it only provided protection to older members.

The knock-on effect on these judgements will have an impact on all public sector pensions including the Police and NHS.

If you have been moved into new scheme, this now means your benefits are accrued in a different way, as such, this means for lots of members there are potential pitfalls which need to be unravelled and calculated including:

  • Lifetime allowance tax (where benefits taken)
  • Annual allowance tax
  • Benefits already paid (for retired members)
  • Benefit accrual for active and/or retiring members
  • Members who have opted out may be allowed to opt back in
  • Paid ill health or survivors’ pensions

Our team have in-depth knowledge and vast experience and can unravel the complications through technical analysis and opinion to reach an optimum resolution for you. Our approach to Expert Witness work echoes the values we apply to everything we do. We are thorough in getting to know you and the scope of the case, whilst recognising and maintaining the independence required of an expert in court proceedings.

Public Service Pensions Specialists

Meet our people >

Why work with us?

There is a huge amount of crossover with tax and financial planning advice and we believe that clients benefit from the comprehensive, professional advice where both our tax and financial planning teams are working together.

  • Industry recognition
    Industry recognition

    We are members of the Family Resolution panel made up of accountants, family lawyers and other professionals committed to the constructive resolution of family disputes

  • Sector Knowledge
    Sector Knowledge

    Retirement Planning, Court of Protection, Expert Witness, Divorce, Family & Pensions, Estate Planning

  • Cross Team Expertise
    Cross Team Expertise

    We offer you a truly joined-up service, with both our financial planning team and private client tax team working together to give you the best possible advice

  • Accessibility

    Four Offices: London, St Albans, Rickmansworth and Milton Keynes