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Full Private Banking Advice
Keith Edwards
James Johnsen
Amanda Loram

Investment Management
Graham Hughes

Pensions Advice
Stephanie Bebbington-Dyke
Peter Burton

Banking Deposits
Phillip Slade

Bank Lending
Sue Best

Tax Compliance
Karen Blake

Trust Administration
Ann Hallett

Contributions

Annual Allowance: after A-day the maximum allowable personal contribution to pension schemes is 100% of your earned income or the following, whichever is the lesser:

• 2007/08 £225,000
• 2008/09 £235,000
• 2009/10 £245,000
• 2010/11 £255,000

In 2011/12, the next five years’ increases will be announced by the Treasury.

• Justifiable contributions by an employer qualify as a business expense and do not attract Corporation Tax or employer/ee National Insurance contributions.

• In the final year before all benefits are crystallised, the Annual Allowance is waived and contributions up to the Life Time Allowance can be made.

• Any over contribution against the Annual Allowance will be taxed as a benefit in kind, normally collected through your self-assessment tax return.