Are You Losing £5,000 a Year Without Realising It?

Most High Earners Know Their Pension Limit. Few Know Their Real One.

£60,000 a year sounds simple, and for most people it is. Above £200,000 of income, the number changes, and most people don't notice until the tax charge arrives.

Arun Sahota Breaks Down the Rule That Costs Thousands

In this session, Arun Sahota - Private Wealth Partner at Skybound Wealth Management - walks through how the tapered annual allowance actually works, how much of it can be recovered through carry forward, and why the deadline that matters isn't the one most people plan around.

If you're earning above £200,000 and you've never had this checked properly, this is the session to watch.

Watch Now

What You'll Learn

How the tapered annual allowance works, and the two income tests that trigger it
Why the allowance never falls below £10,000, no matter how high income climbs
How carry forward lets you reclaim unused allowance from the last three tax years
Why employer pension contributions can tighten your taper rather than help it
Why a March bonus can undo months of planning done on salary alone
How personal pension contributions can bring your threshold income back under £200,000
Why January and February matter more than the 5th of April deadline itself
The five-step sequence for working out exactly how much you can contribute this year

Who This Is For

Anyone earning above £200,000 a year
Business owners expecting a sale, earnout or one-off gain
Executives with bonuses, share vesting or variable pay
Anyone who has never had their carry forward position checked
Higher earners making pension contributions without knowing their real limit

Why This Matters

Most people assume putting more into their pension solves the problem. Sometimes it makes it worse. The annual allowance taper runs on adjusted income, not salary, and pension contributions themselves can push that number up rather than down.

Get the calculation right and thousands in allowance that looked lost can be recovered. Miss it, and a March bonus can trigger a tax charge worth up to 45% of the contribution, paid from money that's already been taxed once.

Watch Now

Arun Sahota

Private Wealth Partner

Aaron works with high-earning families, business owners and senior executives on pension planning and tax strategy. He specialises in annual allowance and carry forward planning for clients earning above £200,000, helping them recover allowance most advisers miss and structure contributions before the tax year closes.