63 in a few months

I have just done a quick calculation and assuming a State pension for them both parties of £8,500 pa, the husband is going to be a basic rate tax payer in retirement, but a 40% tax payer in employment if he has always had a high salary, therefore the after tax payment on the taxable part of his SIPP which I believe he cannot get out of paying basic rate tax on is say 13% higher than his wifes notional non taxable payment from her notional SIPP.


The reason for that is that he gets 40% tax relief in the way in due to his high salary.


If my numbers are correct then he should have possibly paid into a SIPP for his wife but not reduced his own SIPP payments.

I have gone through the originals posters historical postings.


He has an Independent Financial Advisor.


He advises his wife will have a full state pension at 66.


He has advised that he used to put in circa £150 a month into his own pension but now puts a much larger regular payment into into his pension.


In the previous few years a number of members of this board have advised him to put money into his wifes pension who is no longer working.