Q. I am in the process of getting divorced. It looks as though we are going to have to sell our house and divide up the equity. My solicitor says I may get less than half of this, however, because I have a Pension in the Civil Service, but my wife, who has not got any… Read more »

Q. I joined a workplace pension six months ago and now my employer has sent me a letter encouraging me to take advantage of Salary Sacrifice to pay my contributions. It looks like I have to reduce my salary to take advantage of this which makes me think it all looks very suspect. Is this… Read more »

Q. I reach my state pension age in May 2016, which as I understand it, is after the new flat rate of state pension will be introduced.  I was therefore expecting a flat rate of pension of something like £150 per week. I have just received a state pension forecast and it is not as… Read more »

Q. Is it true that people living in Scotland are going to pay less income tax? I thought they had voted to stay in the UK. A. Although you are obviously correct that the Scottish referendum confirmed Scotland’s place in the United Kingdom, the answer to your question is “maybe”. From April next year the Scottish Rate… Read more »

Q. I am in receipt of a final salary pension which used all of my Lifetime Allowance when I took benefits two years ago. I also have a retirement annuity policy relating to a period of self-employment in the 1980s. I put very little into it so was pleasantly surprised to find it now has a… Read more »