State pensions

Self certified

Wednesday 5th August 2020




State Pensions are an important part of many peoples’ financial plansplans and in this video we explore the considerations.

Learning objectives

In this session we covered…

  • How state pension age has changed and further proposals to amend Comparison of old State Pension and new State Pension
  • What will your client get?
  • What are the differences?
  • How the State Pension is Accrued

Foundation amounts

  • Qualifying National Insurance credits and pitfalls to avoid
  • Working and retiring abroad
  • State Pension death benefits
  • Differences between old and new state pension
  • Guiding your client through a State Pension forecast
  • Assessing what your client may get
  • Eligibility and cost of topping up state pension
  • Considerations before topping up state pension
  • State Pension deferral
  • Comparison of old State Pension v new State Pension rules
  • Who can defer?
  • Considerations for deferring and alternative options


Paul Squirrell

Paul is the National Pension Sales Manager at FundsNetwork. Paul joined FundsNetwork in December 2007 from Scottish Widows where he was a Sales Manager working mainly in the employee benefits sector. Previous to this, he worked as an Independent Financial Adviser in the Suffolk area. Paul has over 30 years’ experience working in UK Financial Services and is qualified to QCF level 6.

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