I am very happy, as an individual client, and also as a past Chairman of HMC (the Headmasters’ and Headmistresses’ Conference) to contribute to your review.

From both of these perspectives, the overwhelmingly important value of the service provided by Affinity lies in their longstanding familiarity with, and understanding of, the Teachers’ Pension Scheme and, increasingly its relationship with HMRC and the implications of tax law as it relates to pension accrual and Lifetime Allowance.

This is an area that has been changing rapidly, apparently by stealth and without consultation, in a way that is simply not possible for the layman to master.

This area is now so complex that I can state with absolute confidence, backed up by documentary proof, that neither Teachers’ Pensions themselves, nor indeed HMRC have a complete grasp of it.
In my experience, Affinity’s technical expertise in this field is absolutely unique and runs ahead of that of HMRC and those who administer the Teachers’ Pension Scheme.

I would estimate that Affinity’s carefully tailored advice in structuring my own pension arrangements has saved me around £50,000 in lump sum and £5,000 p.a. in pension which would otherwise have gone to HMRC.