Kay Ingram

Kay Ingram is the director of individual savings and investments at national IFA LEBC, a chartered financial planner. Before joining LEBC, she was Financial Planning Director of Chartered Accountants Morrison Stoneham which joined Tenon Group. Pensions savings tax advice and auto enrolment is a speciality of LEBC which has helped clients and their professional advisers navigate pensions legislation since 2000. The firm has 15 regional offices and 80 qualified advisers.

Tax / Higher rate pension relief threat to fund coronavirus bill

In her second article on possible pension tax relief reform, LEBC’s Kay Ingram sees greater restrictions ahead as cost of Covid-19 becomes clearer with Spring Budget changes short-lived

Tax / Pensions tax help for lowest paid workers under review

As the government consults on the impact of pension tax relief on lower earners, LEBC’s Kay Ingram weighs the options, calling for greater automation

Insight / Impact on pensions of changes to Job Retention Scheme

As the government begins to unwind its Coronavirus Job Retention Scheme over the coming months, LEBC’s Kay Ingram looks at how pensions will be affected by the changes

Tax / Hidden tax risks of raiding the pension pot

Extracting cash from your pension might seem an obvious source of income during the Covid-19 crisis, but complex tax rules mean it should only be a last resort, says LEBC Group’s Kay Ingram

Tax / Scottish income tax catches out higher rate taxpayers

Pension saving may soften triple whammy for higher rate Scottish taxpayers with salary sacrifice reducing tax liability while higher pension contributions can offset higher rate child benefit clawback, explains Kay Ingram, director of public policy at LEBC Group     

Tax / Ingram: probate fees hike is a tax on bereaved

Kay Ingram, director of public policy at LEBC, argues that an increase in probate fees puts an unfair burden on bereaved families and discusses what they can do to avoid being required to pay probate fees and inheritance tax upfront

Tax / Ingram: what the Budget means for pension savers

Kay Ingram, director of public policy at LEBC, discusses the pensions aspects of the Autumn Budget, including an increase to the lifetime allowance and the introduction of collective defined contributions pensions

Tax / Pension planning: money purchase annual allowance (MPAA) - part 6

In part six of our series on pensions, Kay Ingram, director of public policy at LEBC, looks at the current money purchase annual allowance (MPAA) restrictions and what pension savers can do to maximise reliefs

Tax / Pension planning: transferring a defined benefit pension - part 5

In part five of our series on pensions, Kay Ingram, director of public policy at LEBC, considers the pros and cons of transferring a defined benefit pension, from the impact on beneficiaries, long-term health considerations and inheritance tax planning

Tax / Pension planning: transferring pensions overseas and QROPS - part 4

In part four of our series on pensions, Kay Ingram, director of public policy at LEBC, examines the impact and risks associated with transferring pensions overseas and Qualifying Recognised Overseas Pensions Schemes (QROPs)  

Tax / Pension planning: lifetime allowance and final salary pensions - part 3

In part three of our series on pensions and the lifetime allowance, Kay Ingram, director of public policy at LEBC, finds the complex nature of the annual allowance recovery charge makes it a stealth tax for some final salary scheme members

Tax / Pension planning: lifetime allowance and taxation of benefits – part 2

In part two of our series on pensions, Kay Ingram, director of public policy at LEBC examines the lifetime allowance and the taxation of pension benefits at the point of and during retirement

Tax / Pension planning: lifetime allowance and tax liability - part 1

In part one of our series on pensions, Kay Ingram, director of public policy at LEBC reviews the impact of reductions in the lifetime allowance and tax liability for high earners, plus a snapshot of the key tax breaks currently available

Tax / Pension tax relief changes: looming deadline for high earners

Savers may find that the opportunities they have before 5 April to receive tax relief on their savings may never be the same again and further changes could be announced in the 16 March Budget – take heed and plan now, says Kay Ingram, director at IFA LEBC
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