#Missing Hrp

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#Missing Hrp Reel by @chris.moneygeek (verified account) - Families on £120k combined are still getting full Child Benefit. Perfectly legally. Here's why most people miss out: 1️⃣ The £50k limit is old news
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@chris.moneygeek
Families on £120k combined are still getting full Child Benefit. Perfectly legally. Here’s why most people miss out: 1️⃣ The £50k limit is old news. It now tapers between £60k–£80k. 2️⃣ It’s NOT household income. It’s based on the highest earner only. Two parents on £60k each? Full benefit. 3️⃣ It’s NOT based on gross salary. It’s based on adjusted net income. That means your income after: • Personal pension contributions • Workplace pension contributions (including salary sacrifice) • Gift Aid But not including your employers contribution. Earn £70k. Pay £10k into your pension. Adjusted income = £60k. Full benefit restored. Even if you don’t get the cash, claiming can protect State Pension credits — and those can be transferred to a grandparent providing childcare. ⚠️ This content is not financial advice and should be used for educational purposes only. We recommend you do your own research and consider taking personal advice before making any financial decisions.
#Missing Hrp Reel by @askellie.co.uk (verified account) - If you're a grandparent or other family member helping to care for a child while the parent works, you could be missing out on something really valuab
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@askellie.co.uk
If you’re a grandparent or other family member helping to care for a child while the parent works, you could be missing out on something really valuable: National Insurance credits that count towards your State Pension - potentially worth over £5,000 in retirement. This little-known benefit is part of a scheme called Specified Adult Childcare Credits, and it’s one of the most underclaimed entitlements in the UK. - This video is for informational and entertainment purposes only. We’re not financial advisors or legal professionals — just sharing publicly available government info in a way that’s info in a way that’s easier to understand. Always double-check official guidance and speak to a qualified advisor if you’re unsure. #sendparents #grandparents #childcarehelp #parenttips .
#Missing Hrp Reel by @larajoannajarvis (verified account) - ad This is one of those small money details that can make a big difference and it's really important to stay in the know. The State Pension age has c
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@larajoannajarvis
ad This is one of those small money details that can make a big difference and it’s really important to stay in the know. The State Pension age has changed, and if you were born on or after 6 April 1960, you may receive your State Pension later than you expect. Some people affected by this change will be less than 12 months away from reaching State Pension age, which is why it is worth checking now rather than being caught out later. Everyone’s situation is different, so it’s important to check your own personal State Pension age rather than relying on assumptions. It might feel frustrating, but it is a key part of financial planning. Knowing your exact State Pension age helps you plan, budget, and make informed decisions about your retirement. It’s so easy to do, even I checked mine and I’ve still got a few years to go 😆 You can check your State Pension age in just a couple of minutes on gov.uk simply by using your date of birth. #StatePensionAge @dwpgovuk
#Missing Hrp Reel by @prime_wealth_advice - Age Pension updates aren't always straightforward 👀 Even when rates increase, changes behind the scenes can affect how much you actually receive. In
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@prime_wealth_advice
Age Pension updates aren’t always straightforward 👀 Even when rates increase, changes behind the scenes can affect how much you actually receive. Income rules, asset thresholds, and deeming all play a role and they don’t work in isolation. Knowing how these pieces fit together matters more than most people realise. 📌 Save this post if Age Pension planning is relevant to you. 👉 Want personalised clarity? Link in bio #AgePensionAustralia #retirementplanning2026 #CentrelinkHelp #financialclarity #PrimeWealthAdvice
#Missing Hrp Reel by @carersacademy - Pensions can pay sums to your loved ones on your death. If you are a parent of a disabled dependent, it's so important to make sure your provider know
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@carersacademy
Pensions can pay sums to your loved ones on your death. If you are a parent of a disabled dependent, it's so important to make sure your provider knows who you want to be paid. Here’s the simple check: 🌟 List your pensions and death in service. (People often forget old workplace schemes.) 🌟 Find your nomination / expression of wishes. This tells the scheme who you would like to benefit. If you haven't written one - contact your pension provider and get hold of one. 🌟 Check who is named Outdated nominations are common and cause problems. This is important: 🌟 Think about SEND planning Direct payments to a disabled person can create avoidable issues with means-tested support and access. 🌟 Ask your scheme what options it allows - it may allow you to nominate the trust within your will. This can cause so many problems, so I included a step by step guide in One Hour to Clarity and in my book Planning With Love. Everyone's circumstances are different. This is education, not advice. Do seek advice from your financial or legal adviser around your own situation. #sendparent #specialneedsparent #pensionsuk #sendplanning #specialneedsplanning #willsandtrusts #inheritanceplanning #legacyplanning #parentcarer #specialneedsuk
#Missing Hrp Reel by @rowen_carolus - Attention young professionals in the GEPF: Are you aware of how your monthly pension is determined? Getting to grips with your pension calculation tod
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@rowen_carolus
Attention young professionals in the GEPF: Are you aware of how your monthly pension is determined? Getting to grips with your pension calculation today can make all the difference to your future security—don’t put it off until retirement is around the corner! Here’s the breakdown: ✔️ Your pension is a calculation using your final salary and your pensionable years of service. Understanding how your pension is worked out puts you in control, helping you make informed decisions for a safer financial future. The earlier you start, the more you can optimize your benefits and avoid potential pitfalls. 💡 *Pro tip: Bookmark this post or view our handy infographic to quickly reference the pension calculation!* #GEPF #PensionEducation #FinancialPlanning #AskRowen Book now: https://www.askrowen.com | +27 66 527 5622
#Missing Hrp Reel by @markonthemoney (verified account) - Ad | Relying on the state pension alone won't give you the comfortable retirement you deserve after a lifetime of working. That's why workplace pensi
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@markonthemoney
Ad | Relying on the state pension alone won’t give you the comfortable retirement you deserve after a lifetime of working. That’s why workplace pensions are important to supplement that and give you a more enjoyable retirement. Comment “PensionBee” below and I’ll send you a link to my favourite private pension provider, PensionBee.
#Missing Hrp Reel by @karendoylecfp - Can you cash in your pension early? Yes. Should you? In most cases… no. Accessing a pension at 50 might feel like a solution in the moment - college
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@karendoylecfp
Can you cash in your pension early? Yes. Should you? In most cases… no. Accessing a pension at 50 might feel like a solution in the moment - college fees, cashflow pressure, life stuff - but it often creates bigger problems later. 🔹 Lost compound growth 🔹 Forced withdrawals while still working 🔹 Unnecessary tax 🔹 Smaller retirement income when you actually need it Pensions are designed to replace your income when work stops, not to plug short-term gaps. If you’re thinking about accessing a pension early, get the numbers run before you decide. One decision can cost hundreds of thousands over time. 📩 DM me “PENSION” if you want to talk it through.
#Missing Hrp Reel by @newstigo (verified account) - Anyone who had children between 1978 and 2010 could be owed £10,000s A massive government blunder has left an estimated 210,000 people-mostly women-w
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@newstigo
Anyone who had children between 1978 and 2010 could be owed £10,000s A massive government blunder has left an estimated 210,000 people—mostly women—with significant gaps in their State Pension, and the race is now on to claim back what is owed. The error centers on "Home Responsibilities Protection" (HRP), a scheme that was supposed to protect the pension records of parents and carers who stayed home with children between 1978 and 2010. Because National Insurance numbers were often missing from Child Benefit claims made before May 2000, the credits were never added to thousands of records, resulting in decades of underpaid pensions. The scale of the payout is staggering, with some individuals already receiving arrears of over £30,000. While HMRC has been sending out "nudge" letters to those potentially affected, experts like Martin Lewis warn that the onus is now on you to proactively check your record. If you are currently aged between 41 and 90 and took time off work to raise a family or care for someone with a disability during those years, you could be sitting on a small fortune in back-payments. HMRC and the DWP are currently working through a massive backlog, with some claims lodged in early 2026 not expected to be resolved until the end of the year. However, the application window remains wide open. Even if you haven't reached retirement age yet, fixing these gaps now is vital to ensure you receive the full State Pension when you eventually stop working. For those already retired, a successful claim will not only trigger a lump-sum payment of arrears but also provide a permanent weekly boost to your pension income.
#Missing Hrp Reel by @chengvoon.tong - Why I haven't done many talking videos on NHS pensions lately and why it's mostly been calculation posts? I have been busy doing 1-to-1 sessions with
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@chengvoon.tong
Why I haven’t done many talking videos on NHS pensions lately and why it’s mostly been calculation posts? I have been busy doing 1-to-1 sessions with NHS staff, helping them understand their pension figures, retirement options, voluntary redundancy decisions… even things like Additional Pension, ERRBO and Annual Allowance for high earners. Btw, the next live NHS Pension Clarity Workshop is this Sunday 8th Feb, 3-5pm.
#Missing Hrp Reel by @accountedltd - Most parents have NO IDEA Child Benefit is protecting their future pension 😱 You think it's just about the monthly payments? Wrong! Those NI credits
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@accountedltd
Most parents have NO IDEA Child Benefit is protecting their future pension 😱 You think it’s just about the monthly payments? Wrong! Those NI credits are worth WAY more than you realize 💰 The biggest mistake? Not claiming at all because you think you “earn too much” You’re literally leaving YOUR pension on the table! 😤 And from 2026, you’ll be able to pay this back through PAYE instead 🙌 Tag a parent who needs to hear this! 👇 #ChildBenefit #StatePension #NICredits #UKTax #HMRC
#Missing Hrp Reel by @hannahaspinallproperty (verified account) - Warning: The biggest pension shake-up in decades 🚨 From 2027, even your pension could face inheritance tax!?!
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@hannahaspinallproperty
Warning: The biggest pension shake-up in decades 🚨 From 2027, even your pension could face inheritance tax!?!

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