SIPP Carry Forward - different provider?

Exodi

ColdIron said:
There are many ways of skinning a cat

That there is.

I'm (un)fortunate enough to not need to worry about this as I didn't start taking my pension seriously until a few years ago and now sadly playing catch up.

You wish you could go back in time and speak to your younger self and say "pay attention to your pension", however in reality I don't expect it would have made any difference. When I come to tell my children (when they become young adults) to focus on their pensions, I expect they'll similarly have an attitude of "yeah right".

I'm glad it's better for this generations young people as 'auto-enrolment pensions' are now the norm.

Malthusian

Don't think I can use 19/20 as SIPP was opened after 6 apr 20 and I didn't have any other pension scheme then.

Well done for spotting that, I should have caveated it myself.
Not even a small forgotten workplace pension somewhere? Pretty much any kind of private pension open in 2019/20 would give you another £40,000 allowance to carry forward.

I should have some retained profit from last year and also want to split these contributions into 2 company years, will check with accountant regardless.

You can split this contribution into this company year and the next one to reduce the Corporation Tax bills, but you can't make them retrospectively to reduce last year's. Retained profits are only useful for dividends, not pension contributions.

BiggaThanBen

I might have had some from permie jobs 15+ years ago, tried some pension finder tool (hmrc, pension bee?) and it didn't find any.

Good point about retained profits, I could then use all current year's revenue on pension and use that to still have some dividends.

Next company year can I make pension contributions based on projected turnover or only after it was "acquired'?