We look after your pension needs allowing you to do what you do best.


A welcome (tax!) relief from the Chancellor

In his first Budget since the Government’s significantly reduced majority, it was a startling fact that Phillip Hammond barely uttered the word ‘pension’ at all! As suspected, the Government’s Brexit focus meant less of an emphasis on the pension policy areas that are usually subject to Government meddling, but it came a surprise that the […]

When will the Chancellor cut your pension allowance?

We reported in our previous briefing that Philip Hammond confirmed that the Money Purchase Annual Allowance was reducing from £10,000pa to £4,000pa from 6 April 2017. However on 25 April 2017, the Government announced that some clauses in the Finance Bill 2017 would be dropped to allow time for the Bill to come into force […]

When did US civil war soldier’s widow die? The answer will astound you

When did the last surviving widow of someone who fought in the US Civil War die? Remember that this conflict finished in 1865 with Abraham Lincoln victorious over the Southern US States. The answer didn’t surprise me, it astounded me, and it perfectly illustrates one of the problems facing today’s pension schemes…..longevity. The answer – […]

Triple lock survives the new Parliamentary double act

It seems extraordinary that despite the Conservatives securing their biggest share of the vote since Margaret Thatcher’s landslide in 1983, and nearly 5% more than David Cameron just 2 years ago, it has resulted in a weakened and minority Government. There is no doubt that the European Union is top of Westminster’s priority list, but […]

Loans – a Sassy feature!

A unique feature of Small Self-Administered Scheme (SSAS) is that they are able to make loans to their sponsoring companies. These are called authorised employer loans.   The loan can be used for any business purpose of the sponsoring company including the purchase of new stock, funding expansion of the business, or paying off more […]

Inside Morgan Lloyd – Amy Pinchen, Pension Administrator

I’ve worked for Morgan Lloyd now for nearly three years, initially starting a support administrator and progressing to a pensions administrator. Before working for Morgan Lloyd I was in an administrative role but in the building and maintenance environment, so this is something totally different. I really enjoy the different aspects of the role as […]

Pension simplification?

It is now almost 11 years since the landmark changes to pensions in 2006. The principle underlying these changes was to simplify pensions so they would become both more appealing and more accessible to the generation of under-savers. Simplification was born and became the new buzzword in pensions. The concept was applauded by experts and […]

Chancellor leaves pensions alone

Another sigh of relief as Philip Hammond avoids the urge to tinker with pensions once again.  Two Budgets down and barely any interference from the Treasury. Although this is more likely because of more pressing concerns rather than a policy of intentional laissez-faire.  Nevertheless, this is most definitely a welcome period of calm. The one […]

Inside Morgan Lloyd – Sian Carwithen, Senior Administrator

I started my career at Morgan Lloyd in October 2008 as a Support Administrator, building on my previous experience of working with pensions in the annuity department at Hargreaves Lansdown.  Since starting with Morgan Lloyd I have continued to move through the ranks from Support Administrator to Administrator and now Senior Administrator, spending a large […]

Did you know?

The biggest UK pension pot recorded in 2010 was worth £21.1m and paid out £1.3m annually! This belonged to Jeroen van der Veer, former chief executive of Royal Dutch Shell from 2004 to 2009. Women are expected to live nearly 3 more years than men, with an average life expectancy after 65 being 24.3 years, while men […]

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For further information on your pension scheme administered by Morgan Lloyd, or any enquiry, please do not hesitate to call and one of our team members will be happy to help

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