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A Pengage bird front-facing with three question marks above their head, thinking

Why McCloud May Not End When NHS Pensions Think It Will

McCloud, Uncategorized /

This paper explores unresolved technical, operational and member-experience issues arising from implementation of the McCloud remedy within the NHS Pension Scheme in England and Wales.
Drawing on practical casework and member experience, it considers whether current implementation approaches fully address the wider consequences of delayed correction, member understanding and long-term pension certainty.

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A Pengage bird front-facing with three question marks above their head, thinking

Contingent Decisions, McCloud and the Opportunity to Revisit Pension Choices

McCloud, Uncategorized /

The public sector pensions remedy (PSPR)—often referred to as McCloud;—has created a highly unusual and valuable opportunity for members of schemes such as the NHS Pension Scheme. For many, this represents a second chance to revisit decisions made during the Remedy Period (1 April 2015* to 31 March 2022) and, in some cases, significantly improve

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Pengage bird with a megaphone

We talk about Strategy. We talk about Patients. But are we forgetting the People?

Uncategorized /

Following our first time exhibiting at the NHS Confederation, I shared how valuable and insightful the event was. Conversations centred around the big, critical themes shaping today’s NHS: strategy, workforce planning, patient care, innovation, AI. All important. All necessary. But one piece of feedback stayed with me more than anything else. You’re the only stand

We talk about Strategy. We talk about Patients. But are we forgetting the People? Read More »

Pengage bird on a tree with coins as fruit - Future Pension

Income Tax and Your Pension: Clearing Up the Confusion

Pensions tax, Uncategorized /

If there’s one topic that consistently ties people in knots, it’s how pensions are treated for income tax. And honestly, it’s no surprise. Pensions are wonderfully tax‑efficient while you’re saving… but they do behave a bit differently once you start taking them. No wonder myths spread so easily.

So let’s break it down in plain English.

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