Pension Archives | Kias Consulting Pro

Illustration showing how to find lost pension pots in the UK, including pension statements, National Insurance card and previous employer files

Investing, Pension, Tax Planning, Wealth Building

How to Find My Pension Pots: 5 Free Ways to Track Down Lost Pensions

By Ibiyemi Ayanbisi / July 16, 2026 / Lost Pension Pots, pension tracing service, Pensions Dashboard, Personal finance UK, retirement planning UK, UK Pensions, Workplace pension

A free, step-by-step guide to tracking down lost UK pension pots, including the government’s Pension Tracing Service and what to avoid.

Navy pension pot filled with gold coins beside inheritance tax documents and estate planning books, with Big Ben in the background, illustrating the proposed pension IHT changes from April 2027

Financial Literacy, Investing, Pension, Wealth Building

Pension Inheritance Tax 2027: What Changes, Who Is Affected, and What to Do Now

By Ibiyemi Ayanbisi / June 15, 2026 / crystallised pension, drawdown income tax, flexi-access drawdown, PCLS, pension death benefits, pension estate planning, pension IHT 2027, pension IHT changes, pension inheritance tax, pension inheritance tax 2027, pension tax planning, retirement planning 2025, SIPP inheritance tax, uncrystallised pension

Under proposals announced in the Autumn Budget 2024, your unspent pension pot is expected to be counted as part of your estate for inheritance tax from 6 April 2027. This guide explains what the proposals mean, who is likely to be affected, and the planning strategies you can consider in the window before the changes take effect.

Hero image for crystallised pension article showing a man researching pension crystallisation on a tablet, with a side by side comparison of uncrystallised funds showing pension still growing and tax-free cash available versus crystallised funds showing pension accessed and withdrawals taxable

Financial Coaching, Financial Literacy, Pension, Tax Planning, Wealth Building

What Happens When You Crystallise Your Pension and Is Now the Right Time?

By Ibiyemi Ayanbisi / May 15, 2026 / crystallised pension, drawdown income tax, flexi-access drawdown, MPAA, partial crystallisation, PCLS, pension commencement lump sum, pension tax planning, retirement planning 2025, uncrystallised pension

Learn the difference between crystallised and uncrystallised pension funds, what happens at a crystallisation event, and why taking your pension in stages can significantly reduce your income tax bill in retirement.

Hero image for pension tax-free cash article showing a pension pot splitting into 25% tax-free cash in gold and 75% taxable income in grey, with the title Pension Tax-Free Cash Explained and the 25% Rule and £268,275 Cap

Financial Coaching, Financial Literacy, Pension, Tax Planning, Wealth Building

Your Pension Tax-Free Cash (2025/26): The 25% Rule, the £268,275 Cap, and How to Take It in Stages

By Ibiyemi Ayanbisi / May 4, 2026 / crystallised pension, flexi-access drawdown, lump sum allowance, partial crystallisation, PCLS, pension commencement lump sum, pension commencement lump sum PCLS, pension crystallisation, pension drawdown UK, pension IHT 2027, pension inheritance tax, pension planning UK, pension tax relief 2026, pension tax-free cash, retirement planning UK, UFPLS, uncrystallised pension

When you start taking your pension, up to 25% can be taken completely free of income tax. But the total is capped at £268,275 across all your pensions in your lifetime, and the way you take it affects both the tax you pay and whether you trigger the Money Purchase Annual Allowance. This guide explains the 25% rule, the three ways to take your tax-free cash, the partial crystallisation strategy, and the inheritance tax changes coming in April 2027.

Blog header image for pension carry forward 2025/26 guide showing a glass jar filled with coins and a plant growing from it, with the title Pension Carry Forward: Unlock Up to £220,000 of Unused Allowance

Financial Literacy, Pension, Wealth Building

Pension Carry Forward 2025-26: How to Unlock Up to £220,000 of Unused Allowance

By Ibiyemi Ayanbisi / April 23, 2026 / defined contribution pension, MPAA, pension annual allowance, pension carry forward, pension contributions UK, pension input amount, pension lump sum, pension planning higher earners, pension tax relief, retirement planning UK, self assessment pension, SIPP contributions, tapered annual allowance, unused pension allowance

The pension carry forward rules are one of the most powerful and underused tools in UK retirement planning. If you have not used your full pension annual allowance in the past three years, you may be able to contribute significantly more than £60,000 in a single tax year. This guide explains who qualifies, how the ordering rules work, and how carry forward interacts with the tapered annual allowance and the MPAA.

Financial Literacy, Pension, Tax Planning, Wealth Building

Got Old Pension Pots? Here is How to Cash Them In Without Losing Your Tax Relief

By Ibiyemi Ayanbisi / April 8, 2026 / defined contribution pension, guaranteed annuity rates, money purchase annual allowance, MPAA, old pension pots, pension annual allowance, pension consolidation, pension freedoms, pension pot UK, pension tax relief, pension tracing service, retirement planning UK, small pension pots, workplace pension UK

Got old pension pots from previous jobs sitting forgotten with old
employers? The small pension pots rule lets you cash in any pot
worth under £10,000 without triggering the MPAA or losing your
£60,000 annual allowance. This guide explains who qualifies, how
the tax works, whether to cash in or consolidate, and how to track
down pots you may have forgotten about.

Pension

Filter posts by category