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APTA

Colin1980Colin1980 Member
in Technical stuff

Morning Everyone,

I have a quick but silly question!

In running a APTA/TVC in order to compare like for like I am of the understanding that you would include spouse pensions etc even if the client was single??

Thanks

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Comments

  • benjaminfabibenjaminfabi Moderator
    TVC will be matched to the scheme pension and be like for like.

    APTA needn't include a spouse's pension if there isn't a spouse or if the spouse won't be reliant on the income. It doesn't need to include an annuity comparison at all in my opinion, if the client has no need for an annuity.
    Benjamin Fabi 
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