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Retirement planning for high-income earners

In Brief: Retirement planning for high-income earners

Thursday, 18 December 2025

Understanding key pension limits and alternative methods to build long-term wealth

The pension landscape for high-income earners has become more intricate. Frequent rule changes, tapered allowances, and strict contribution limits make it harder for higher earners to save effectively for retirement without risking unexpected tax charges. Managing annual allowance rules, carry-forward options, and lifetime considerations can be daunting, especially when income fluctuates from year to year.

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Please be aware these articles are for general information purposes only and correct at time of printing. We will not accept responsibility for any errors made or actions taken by any readers that have acted on the information contained. Answers given are for guidance only and specific advice should be taken before acting on any of the suggestions made. All information is based on our understanding of current tax practices, which are subject to change. Always remember when investing, past performance is not necessarily a guide to future performance and the value of some investment units can fall as well as rise.