Guides & resources
Public-sector pension and tax guides: the urgent decisions explained
Annual allowance, McCloud remedy, scheme pays, emergency tax, and retirement timing, for NHS, teaching, civil service, local government, and uniformed-service professionals who need the facts, not generic financial advice.
Updated: 2026/27 rates now live. All guides reflect the new tax year.
Guides by topic
Find the guide that matches your immediate question, covering everything from annual allowance limits to McCloud remedy details.
Pension Schemes
Complete guides to pension schemes and benefits
Tax Planning
Tax planning and allowance guides
Annual Allowance Guide
Pension growth limits and tax
Lifetime Allowance Changes
Recent LTA changes explained
Carry Forward Rules
Use previous years allowances
Tax Planning Strategies
Optimise your tax position
Tax Codes Explained
Understanding tax codes
Self-Assessment Guide
Complete your tax return
Private Practice Guide
Mixed employment and private income tax
Emergency Tax Guide
Fix tax code problems
Benefits & Schemes
Retirement benefits and salary sacrifice options
Retirement Benefits Guide
Plan your retirement
Scheme Pays Options
Pay tax charges from pension
Salary Sacrifice Schemes
Optimise your salary structure
Salary Sacrifice Tax Guide
Tax benefits explained
Maternity & Paternity Guide
Family leave financial planning
Locum Work & IR35 Guide
Freelance work tax rules
Medical Training Finance
Training-grade financial planning
Opting Out Guide
Scheme opt-out decisions and trade-offs
Pension Transfers Guide
Transfer values and process
Professional Workspaces
Guides for accountancy firms, IFAs, and advisory teams
Other public-sector schemes
Annual Allowance and McCloud guides beyond the NHS
Teachers' Pension Scheme
Scheme basics, McCloud and Annual Allowance
Civil Service Pension (alpha)
Scheme basics, McCloud and Annual Allowance
LGPS (local government pension)
Scheme basics, McCloud and Annual Allowance
Police, fire & armed forces pensions
Scheme basics, McCloud and Annual Allowance
Judicial pension scheme
Scheme basics, McCloud and Annual Allowance
Put the guides to work
Start with the two-minute pension check, then explore the guides for your scheme.
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