Phase 2

This will determine the cost of buying back (and contributing forward) UK State Pension years. This will also provide confirmation on the number of years possible to “buy back”.

This will determine the cost of buying back (and contributing forward) UK State Pension years. This will also provide confirmation on the number of years possible to “buy back”.

Pursue the HMRC State Pension statement which will assess whether you are in Class 2 or Class 3, determining the cost and ability of claiming annual AVCs. Once we receive this, we provide a personalised report for you along with the HMRC Statement to you, with information on the cost and the benefits of “reaching back”. Should you wish to pay the AVCs, we will also email you a letter formatted to your particular circumstances that you can sign and send to HMRC and we can provide information on the correct format of transfers to HMRC. We will show you how to ensure you get proper receipts and the most effective means to continue to contribute until your retirement age. The pension payments go directly to HMRC and not to UK State Pensions Abroad.