Technical answers for
advice teams.
Practical, technically-reviewed guidance on pensions, tax and suitability — the same knowledge that powers Templi’s finance AI.
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Pensions
Allowances, contributions, transfers and retirement options — the technical detail behind everyday pension advice.
Tax, trusts & allowances
Income tax, CGT, IHT and the annual allowances that shape financial planning recommendations.
Investments
Platforms, wrappers and portfolio construction — what matters when recommending and reviewing investments.
Latest resources
Lump sum allowance and TTFACs: checking the tax-free cash position before retirement
How to compare the standard transitional calculation with a TTFAC, verify historical pension evidence and distinguish extra allowance from cash available.
Tapered annual allowance 2026/27: threshold income, adjusted income and worked examples
Two income tests determine whether a high earner’s pension annual allowance is tapered. Worked examples show how proposed contributions can change the result.
Inherited ISAs: choosing the APS value and meeting the deadlines
How advisers can separate inheritance from APS entitlement, choose the valuation basis and manage cash or in-specie subscriptions.
Pension IHT and retirement income advice: keeping planning balanced before 2027
How advisers can balance pension IHT planning with retirement income needs before the April 2027 rule change.
Pension inheritance tax and personal representatives: what the 2027 rules may mean
A practical adviser briefing on how the 2027 pension IHT rules may affect executors, personal representatives, beneficiaries and advice workflows.
Pension savings inheritance tax changes: client segments advisers should review first
How advice firms can prioritise client reviews before the April 2027 pension IHT changes, with practical segmentation and documentation prompts.
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