error
Subscriptions are not available for this site while you are logged into your current account.
close
Submit RFP
    Submit RFP
    Previous search terms

      Public Service Pension (‘McCloud’)

      Personal tax advice that puts you in control today and ready for tomorrow

      If you’re a current or former police officer, then there’s a good chance that you could be one of the 3.2 million individuals impacted by the Public Service Pension (‘McCloud’) Remedy.

      If you’ve now received a Remediable Pensions Savings Statement and/or a Remediable Service Statement, you may need support in navigating what you need to do next.

      We know that tax and pensions are complex and difficult to understand at the best of times, and that the Remedy brings an added layer of complexity.

      But we’re here to help. Our dedicated team of personal tax and pension specialists:

      • have a detailed understanding of the Remedy and its impact on the Police Pension Scheme
      • are experts at simplifying complex tax and pension matters,
      • have road-tested and understand the HMRC Digital Service, and
      • can help you manage all tax aspects of the Remedy process from end-to-end, providing personal tax advice that puts you in control today and ready for tomorrow.

      How can KPMG help?

      KPMG's dedicated team have an in-depth knowledge of the Police Pension Scheme, and can provide support on all the personal tax aspects of Remedy.

      Our services include:

      • Support in making a submission through the HMRC Digital Service to report changes to your historic pensions tax position (annual allowance and/or lifetime allowance tax charges)
      • Recalculating your annual allowance carry-forward position as a result of the Remedy
      • Preparation and submission of your 2023/24 self-assessment tax return (which needs to be filed by 31 January 2025, if you’re in self-assessment)
      • Reviewing your Remediable Service Statements to check your ‘contribution adjustment’ figures and ensure your historic tax relief adjustments are correct
      • Checking the pension input amount figures on your Remediable Pension Savings Statement based on your personal circumstances
      • Assisting you in understanding the tax implications of any ‘contingent decisions’ that you may need to make (for example in connection with honoraria, additional service purchased, or opt outs)
      • Helping you to understand and navigate the administrative process as a result of the Remedy, including managing the tax-related aspects of the Compensation Scheme

      And if you have already retired:

      • Guiding you on the tax implications of any Remedy-related changes to retirement benefits, and helping you to manage the administrative process.
      pension service workflow

      Get in touch

      Book an initial no-obligation call with one of our personal tax advisers at a time that suits you here.

      Book now
      woman holding a purple laptop

      Why KPMG?

      KPMG is a ‘Big 4’ accounting firm that has been provides tax advice and UK tax return support to over 15,000 individuals a year.

      Their specialist team has been at the forefront of understanding and raising awareness of the personal tax complexities associated with Remedy for the past 3 years, regularly meeting with HMRC and many other stakeholders. They have worked with Police organisations including the Police Superintendents’ Association (PSA) and the National Police Chief’s Council (NPCC) to support them in navigating the various tax aspects of Remedy during this time, and their work has included assisting with the NPCC to prepare bespoke tax guides for police officers impacted by Remedy. They have also provided one-to-one support to officers impacted by Remedy.

      Meet the team

      Jamie Richards

      Jamie Richards, ACA CTA

      Jamie Richards, a Director in KPMG’s Private Client tax team with over 13 years’ experience, has been leading KPMG’s specialist Remedy tax team for the last 3 years. He has been at the forefront of understanding and raising awareness of the personal tax complexities associated with Remedy years, regularly meeting with HMRC and many other stakeholders, and supporting individuals impacted by Remedy.

      Urrffa Rafiq

      Urrffa Rafiq, BA Hons

      Urrffa Rafiq is the Director responsible for the provision of pensions advisory services to public sector clients at KPMG. Her detailed knowledge of the Police Pension Scheme means that she fully understands the needs of impacted officers, and her ability to simplify complex pension matters means you can be confident in getting easily-understandable advice that you can trust.