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fulfilmentcrowd acquires Fulfilment.nl to accelerate European growth

fulfilmentcrowd, the tech-led logistics provider backed by private equity firm Palatine, has acquired Fulfilment.nl, a high-growth Dutch eCommerce logistics specialist, accelerating its expansion within the strategically important EU omnichannel market.

With the Netherlands being a key European logistics hub, the acquisition materially strengthens fulfilmentcrowd’s ability to serve cross-border EU demand at scale.

LeeRobinAndTeam

L-R: Paul Taylor, Managing Director at fulfilmentcrowd; Jon Davies, Chief Financial Officer at fulfilmentcrowd; Robin Gerrits, Founder and Managing Director at Fulfilment.nl; Lee Thompson, CEO at fulfilmentcrowd; Mart van der Heijden, General Manager at Fulfilment.nl; Ralph Westrik, Operations Manager at Fulfilment.nl.

By combining the local expertise of Fulfilment.nl with fulfilmentcrowd’s proprietary technology platform and international network, the group will be well positioned to support brands looking to scale efficiently across the Netherlands, the EU and beyond.

Fulfilment.nl brings a strong quality-of-earnings profile, supported by consistent volume growth, long-term customer relationships and high productivity. The transaction is expected to be margin-enhancing, driven by economies of scale from increased order volumes, cost synergies, technology sharing and operational efficiencies across the combined network – which expands to seven centres throughout the EU.

The acquisition aligns with fulfilmentcrowd’s strategy of value-accretive growth through selective investments in established, high-performing fulfilment assets.

Lee Thompson, CEO at fulfilmentcrowd, said: We are delighted to welcome Robin Gerrits (founder) and his team to the group. The Netherlands is a strategically compelling market for eCommerce and a gateway to the EU.

“Fulfilment.nl is a high-quality business with strong growth momentum and a customer‑first culture that aligns perfectly with our own. This acquisition accelerates our European expansion while enhancing margins through scale, technology and operational synergies.”

Robin Gerrits, founder of Fulfilment.nl, said: “Our business has grown rapidly by focusing relentlessly on service quality and long‑term customer partnerships.

“Joining fulfilmentcrowd gives us the scale, technology and international reach to accelerate that growth while preserving the values and performance standards that have underpinned our success. This is an exciting next chapter for our team and loyal customers.”

UK Firms Urged to Address Communication Risks Linked to Fragmented Messaging Platforms

UK businesses are being encouraged to reassess their customer communication infrastructure following new findings that fragmented messaging systems are contributing to delivery failures, compliance concerns and declining customer experiences.

Communication specialists at Micom Technologies have warned that many organisations are now relying on multiple disconnected providers to manage customer interactions across email, SMS, print, portals, messaging apps, and contact centre platforms, often without a unified delivery or reporting structure in place.
In many organisations, customer communications are spread across multiple platforms, suppliers and channels, making governance, reporting and customer experience increasingly difficult to manage at scale.
Micom says the risk is increasing as customer journeys become more complex and expectations around responsiveness continue to rise. Research indicates that B2B buyers now interact with an average of 10 touchpoints before making a purchasing decision, placing greater pressure on businesses to maintain consistent communication across channels.
According to the company, fragmented systems can create situations in which messages appear to have been processed internally but are never successfully delivered to the customer due to failed validation, disconnected workflows, or the absence of fallback delivery routes.
The issue is particularly significant for regulated industries where delivery assurance and auditability are critical, including financial services, healthcare, utilities, and public sector organisations.
Andy Barber, CEO of Micom Technologies, said: “Most businesses didn’t intentionally build fragmented communication environments. These systems evolved over time as teams adopted different tools to solve different problems.
“The challenge now is that customers expect communication to feel seamless, while internally many organisations are managing disconnected platforms that don’t always share data, reporting, or delivery logic effectively.
“In regulated sectors especially, businesses cannot afford gaps between systems where a communication may be triggered but not successfully delivered or evidenced.”
Micom is advising organisations to reassess how communication workflows operate across channels and ensure critical customer messaging can dynamically route between digital and physical delivery methods where required.
The company says businesses should focus on unified reporting and audit trails, connected workflows across communication channels, delivery validation and fallback logic, centralised customer communication management, and reducing unnecessary platform duplication.
The warning follows growing market demand for consolidated communication environments that combine digital messaging, print, workflow automation, and reporting within a more connected infrastructure.
Micom points to measurable improvements where communication systems have been coordinated more effectively. In one financial services deployment, introducing digital-first delivery with structured fallback workflows improved payment cycles by 45% while reducing mailing costs by 65% .
Andy Barber added: “Multi-channel communication is no longer the challenge. Most organisations already have multiple ways to reach customers.
“The real challenge is ensuring those channels operate together reliably, particularly when customer experience, compliance, and operational performance all depend on successful delivery.”
For more information about Micom Technologies, visit www.micom.com.

OrbicTrade Unveils AI-Powered Dashboard for Commodity Trading Front Offices

OrbicTrade has announced the launch of its next-generation AI-powered Trader Dashboard, a front-office platform purpose-built for commodity traders to streamline workflows, reduce administrative tasks and react to market opportunities more efficiently.
Built for fast-moving commodity markets, the new OrbicTrade dashboard transforms trader conversations, emails, chat messages, and trading documents into structured trade opportunities within seconds using commodity-aware artificial intelligence.

While traditional CTRM platforms were built around operational processing and complex data entry, OrbicTrade was designed for traders first, delivering a faster, cleaner, and more intuitive front-office experience.

The platform gives trading desks a live AI-powered workspace to review captured opportunities, validate commercial intent, monitor trading activity, and seamlessly push deals into existing CTRM environments.

Key Highlights Include:
  •  AI-generated trade capture directly from trader communications and documents
  •  Modern trader dashboard designed specifically for commodity desks
  •  Instant conversion of conversations into structured trade opportunities
  •  Less manual admin and repetitive deal entry
  •  Faster trade visibility and execution readiness
  •  Commodity-aware AI trained around real trading language and market terminology
  •  API-first architecture designed to integrate into existing CTRM platforms
The launch comes at a time when commodity trading desks are under increasing pressure to manage higher market volatility, tighter margins, larger data volumes, and faster decision cycles, all while operating on aging front-office infrastructure originally designed decades ago.

Industry analysts continue to highlight the growing gap between how modern commodity traders operate and the limitations of legacy trading platforms that still rely heavily on manual deal capture and fragmented communication channels.

“Commodity traders move millions of dollars of exposure in markets that can change materially within seconds. Yet many are still operating with front-office tooling that belongs in the previous generation,” said Amir Soufizadeh, Director at OrbicTrade.

“We built OrbicTrade specifically for trading desks, not operations teams pretending to serve traders. The market has been missing a true trader-first platform that understands how commodity deals actually happen.

“Commodity markets are becoming faster, more volatile, and increasingly data-driven. The firms that modernise trader interaction and front-office intelligence earliest will have a significant competitive advantage.

“OrbicTrade captures commercial intent in real time and turns fragmented conversations into structured opportunities almost instantly. Less admin. More trading.”

OrbicTrade is focused exclusively on front-office commodity trading for oil, refined products, metals, concentrates, agriculture, and freight markets.

The Rise of the AI Video Architect in Modern Production

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A new hybrid role is transforming the video industry: the AI Video Architect. As AI-generated video becomes mainstream, production teams are combining traditional filmmaking expertise with advanced AI workflows to create faster, smarter, and more scalable content pipelines.

UK production company BearJam is among the early adopters, recently hiring a dedicated AI Video Architect as part of its growing team.

The rise of the new role is a direct result of growing AI video demand for brands across a number of industries.

BearJam has seen 87% year-on-year growth, driven by a combination of traditional video production and increasing demand for AI-powered and hybrid video projects. Other industry insights also reflect this.

In the 2026 State of Video Report by Animoto, 84% of marketers are using AI in their video creation process, and over a third of consumers trust AI-generated content as much as traditional video.

Google Trends data shows sustained growth in search interest for “AI video” over the past five years, with related terms such as “create AI video” and “AI videos” continuing to rise.

The continued interest in AI-video has paved the way for a new role within the industry, the AI Video Architect.

James Hilditch, founder and creative director of BearJam, said, “The market shifted faster than most production teams could adapt. Brands want AI-powered work, but they still want it to feel crafted and considered. That tension is what created the need for this role.”

An AI Video Architect combines creative direction and AI tooling, designs workflows using generative video, VFX, and automation, and bridges the gap between production and AI technology.

The responsibilities of an AI Video Architect include:

  • Prompt engineering for video outputs
  • AI VFX integration
  • Workflow design across hybrid production
  • Scaling content production efficiently
  • Model and tool selection across a fast-moving landscape
  • Quality curation and creative direction on AI output
BearJam recently hired Brick Ng as a permanent part of the AI video production team. Hilditch said, “Bringing Brick on as a permanent part of the team is a signal of where we’re heading. He sits between creative thinking and technical fluency, designing the workflows that let our directors and editors do their best work with AI in the mix. It’s a role we believe every serious production team will need and build teams around.”
BearJam believes roles like this will become standard across AI video production teams, not to replace creatives, but to support them in delivering high-quality content that stands out in saturated spaces.

“We use the term Craft Intelligence: the idea that AI should amplify human craft, not flatten it. The AI Video Architect is the role that applies that know-how and helps make that work day to day, bridging what’s creatively ambitious with what’s technically achievable. That’s where the most interesting work is happening right now,” added James Hilditch.
Traditionally, production involved distinct roles like directors and editors. Now, as AI tools become more integrated, these lines are blurring, creating hybrid roles that merge creative direction with AI expertise.

Brands drive this change by needing content faster and at a greater scale. Traditional production models struggle to keep up with these demands without sacrificing money and time.

This is why production companies are rethinking growth. Instead of just hiring more people, they’re integrating specialists who can manage AI-driven workflows.

As AI continues to reshape the video production landscape, roles like the AI Video Architect are likely to move from early adoption to industry standard.

For BearJam, the focus is not just on adopting new tools, but on building the internal capability to use them effectively, combining traditional production expertise with emerging AI technologies to deliver high-quality content.

With a recent move to a larger office and further hiring planned across both AI and traditional production roles, the company is positioning itself to support the next phase of growth, as demand for AI video production continues to rise.

Manchester’s heritage housing stock: Why timber window restoration is becoming a growth sector

Greater Manchester has one of the largest concentrations of Victorian and Edwardian housing in England. From the red-brick terraces of Didsbury and Chorlton to the mill conversions of Ancoats and the stone-fronted villas of Heaton Moor, the region’s residential character is defined by buildings constructed between 1840 and 1920.

Stretches of Levenshulme, Whalley Range, and Stockport’s conservation quarters tell the same story — streets of period homes that have survived two world wars, several economic cycles, and the uPVC invasion of the 1990s.

That heritage stock is now at a critical point. Properties reaching 100–150 years old need significant investment in their building envelopes, and window replacement sits at the top of the list. What’s emerging is a growing sector — driven by regulation, carbon targets, and a shift in homeowner priorities — that presents genuine commercial opportunity for construction businesses, suppliers, and skilled tradespeople across the North West.

The Regulatory Driver

Manchester has over 40 designated conservation areas, covering neighbourhoods from Victoria Park to Worsley Village, Heaton Mersey to Marple Bridge. Within these areas, local planning authorities — Manchester City Council, Stockport, Trafford, Tameside, and others — increasingly enforce material requirements for replacement fenestration. In most cases, that means timber.

PVC-U replacements in conservation areas have triggered enforcement action across several Greater Manchester boroughs in recent years, with homeowners required to remove non-compliant frames at their own expense. These cases are becoming more common rather than less. Councils across Trafford, Stockport, and south Manchester have tightened guidance on fenestration materials in designated zones, and planning officers are scrutinising applications with a level of detail that would have been unusual a decade ago. As awareness of these rules grows — and as councils become more active in enforcement — demand for compliant timber fenestration is rising in step.

Building Regulations Part L (updated 2022) adds a parallel driver. Replacement windows must now achieve a U-value of 1.4 W/m²K — a standard that modern double-glazed timber units meet comfortably, but that many of the region’s original single-glazed sash and casement windows cannot. Homeowners face a straightforward calculation: restore and upgrade to a compliant specification, or accept ongoing energy loss and a deteriorating EPC rating that increasingly affects property value and mortgage eligibility.

For landlords, the pressure is sharper still. The government’s proposed minimum EPC rating of C for rental properties would make window upgrades unavoidable for thousands of Greater Manchester buy-to-let investors currently sitting on D- and E-rated stock with original single glazing.

The Carbon Dimension

Greater Manchester’s Five Year Environment Plan commits the city region to carbon neutrality by 2038 — seven years ahead of the national target. Residential retrofitting is a central plank of that strategy, and fenestration is one of the most impactful interventions available. Housing accounts for roughly a third of the region’s total carbon emissions, and the thermal performance of windows is a major variable in that equation.

Timber has a structural advantage here. University of Bath’s ICE database assigns softwood timber approximately –0.46 kgCO₂e/kg when biogenic carbon storage is accounted for, compared to 3.1 kgCO₂e/kg for PVC-U. For a typical Victorian terrace with eight to twelve window openings, the material choice alone shifts the carbon equation by a meaningful margin — particularly when multiplied across the tens of thousands of period properties across the city region.

Local authority retrofit programmes — including those funded through the Social Housing Decarbonisation Fund and the Home Upgrade Grant — are beginning to specify timber fenestration for heritage properties where PVC-U would compromise both planning compliance and building character. Several housing associations across Salford, Tameside, and south Manchester have incorporated timber window specification into their retrofit programmes for pre-1919 stock, creating a growing pipeline of publicly funded work for suppliers and installers with the right capabilities.

The Greater Manchester Combined Authority’s retrofit accelerator programme, which aims to scale domestic energy upgrades across the city region, further reinforces the direction of travel. Timber fenestration features in guidance for heritage-sensitive retrofits — a signal that public procurement is aligning with conservation requirements rather than defaulting to the cheapest available material.

The Skills and Supply Opportunity

Heritage window restoration and replacement requires a specific skill set that sits between traditional joinery and modern fenestration installation. Demand is outstripping supply — particularly in the North West, where the volume of heritage housing stock creates a concentration of need that few other UK regions can match.

For construction businesses, this represents a growth opportunity with defensible margins. Specialist timber window installation commands higher day rates than standard PVC-U fitting, and the skills involved — surveying original profiles, working with non-standard openings, handling weighted sash boxes, navigating conservation officer requirements — create a natural barrier to entry that protects established operators from commodity competition.

Training pathways are developing in response. Several North West colleges now offer heritage building skills modules, and the Heritage Crafts Association has been lobbying for dedicated fenestration restoration qualifications. For ambitious tradespeople and small construction firms, investing in these capabilities now positions them ahead of a demand curve that shows no sign of flattening.

The supply side is evolving in parallel. Modern bespoke heritage window restoration combines engineered timber technology with heritage-accurate profiling, producing frames that satisfy conservation officers and Building Regulations simultaneously. CNC machining enables complex moulding profiles — ovolo, lamb’s tongue, horns — to be reproduced at scale with tolerances that traditional hand-finishing could not achieve consistently. Laminated and finger-jointed timber sections in engineered pine, meranti hardwood, and European oak deliver dimensional stability that solid timber never offered, while factory-applied microporous coatings extend maintenance cycles from every two or three years to a decade or more.

Supply-only models are gaining particular traction among Manchester’s network of independent builders and property renovation specialists. Rather than buying from integrated install-and-supply companies, contractors are sourcing bespoke timber windows directly from specialist suppliers and handling installation themselves. This model reduces cost for the homeowner, gives the builder greater control over specification and programme, and creates a recurring relationship between installer and supplier that benefits both parties.

Market Signals

Several indicators suggest this sector has structural momentum rather than cyclical interest. Conservation area designations across Greater Manchester are expanding, not contracting. EPC requirements are tightening. The city region’s carbon targets are legally binding. And homeowner attitudes toward heritage preservation are shifting — driven partly by social media visibility of renovation projects (Manchester’s period property community on Instagram runs into the tens of thousands of posts) and partly by a broader cultural rejection of the “rip it out and replace with plastic” approach that characterised the 1990s and 2000s.

Property data reinforces the trend. Research from Savills and Knight Frank consistently shows that period properties in conservation areas command a 10–20 per cent premium over equivalent homes in non-designated streets. Authentic fenestration — timber sash or casement windows in appropriate profiles — is a visible marker of that premium positioning. Estate agents marketing heritage properties in south Manchester, Stockport, and Trafford increasingly reference window specification in particulars, recognising that informed buyers notice the difference.

For North West construction businesses watching for the next growth sector, heritage timber fenestration ticks the boxes: rising demand, regulatory tailwinds, higher margins, and a skill barrier that rewards investment in training and capability. The supply chain is maturing, the public funding pipeline is building, and the homeowner market is educated enough to pay for quality.

Manchester’s Victorian terraces aren’t going anywhere. The question is who will be equipped to look after them.

SendMercury unveils upgraded distribution platform designed to remove scaling barriers for UK SMEs

SendMercury, a technology platform designed to simplify product distribution for small and medium-sized enterprises, has announced the relaunch of its fully rebuilt platform alongside a redesigned website, set to go live today.
The relaunch follows a deliberate and comprehensive pause in operations during which SendMercury undertook a ground-up rebuild of its platform infrastructure, user experience, and core operational workflows. Rather than incrementally iterating on its prior system, the company elected to re-architect its technical foundations entirely, reducing average onboarding time from 5-7 days to 48 hours and improving platform uptime to 99.5% across its distribution network.
SendMercury helps product-based businesses sell beyond their local market without dealing with the usual complexity. Instead of figuring out logistics, export rules, and distribution on your own, the platform gives you a simple way to list your products, connect with fulfilment partners, and get them into new markets where there is demand. In practical terms, it allows businesses to move stock faster, reach new customers, and scale sales through a structured system rather than trial and error.
The announcement comes at a pivotal moment for UK SMEs. SMEs make up around 99% of UK businesses, yet a growing number cite distribution and fulfillment as their biggest barrier to scaling and international expansion. As e-commerce continues to expand rapidly, infrastructure, not demand, is increasingly what limits growth. While barriers to product launch have materially decreased, the operational complexity of scaling distribution remains a persistent bottleneck for early-stage businesses managing retail relationships, logistics coordination, and fulfilment simultaneously.
The rebuilt platform addresses this directly through three core operational improvements: a streamlined onboarding experience that reduces time-to-activation by 60%; expanded automation across key distribution workflows, cutting manual processing requirements by 55%; and a re-architected backend engineered to support 1000+ concurrent business accounts with 99% reliability at peak load.
Aideloje Uanikehi, Founder, SendMercury [pictured], said: “We made a deliberate decision to step back and rebuild because distribution remains one of the hardest parts of operating a product business. Too many companies can launch but struggle to scale. What we have built is designed to remove that friction, and the early results from our access programme demonstrate that businesses can now get fully operational in 48 hours, compared to 5-7 days previously. Our goal is to make distribution infrastructure a growth enabler, not a growth constraint.”
Joel Oise, Co-Founder, SendMercury said: “We could have patched what we had. We chose not to. The businesses we’re building for deserve a platform that holds up when they start to grow, so we rebuilt it from zero.”
SendMercury has commenced onboarding businesses through its early access phase, with 15 businesses currently active on the upgraded platform across beauty, personal care, wellness, and consumer goods. Wider public rollout is scheduled for May 2026, with the company confirming plans to expand its distribution network to 6 fulfilment partners and introduce automated buyer matching and multi-channel fulfilment routing by Q4 2026.

Five years of creative growth and success for BWS celebrated

BWS is celebrating its fifth anniversary after five years of standout creative work, strong business growth and an expanding reputation across animation, film and digital storytelling.

Since launching in 2021, the Manchester-based studio has grown into a highly respected creative business, working with some of the world’s biggest names and brands while delivering profitable year after profitable year.

Over the past five years, BWS has built an impressive track record that reflects both its creative ambition and commercial strength. Highlights include working with music icon Diana Ross, creating work linked to King Charles, building long-term relationships across every major football club, successfully launching its film division, and continuing to grow its YouTube channel as it closes in on half a million subscribers.

The milestone marks an important moment for the business, which has continued to evolve from its roots in illustration and animation into a broader creative studio with growing reach and influence.

Founder Ben Wild said: “I’m incredibly proud of what BWS has achieved over the last five years. When we started, we had big ambitions and a real belief in the work, but to see how far the business has come is really special.

“We’ve had the chance to work on amazing projects, build long-term relationships with fantastic clients, grow a brilliant team and keep moving forward year after year. Working with names like Diana Ross, being trusted on projects connected to King Charles, and building strong links across football has been a huge privilege.

“Launching our film division was another major step for us and one that has opened up even more opportunities creatively. At the same time, seeing our YouTube channel continue to grow and edge closer to half a million subscribers has been a real reminder of the audience we are building around the world.

“What matters most is that we’ve stayed true to who we are. We love telling stories, we love making great work, and we’re as excited about the future as we were on day one.”

The past five years have seen BWS strengthen its reputation for bold ideas, distinctive style and high-quality delivery across a wide range of creative projects. The business has combined standout creative work with a strong commercial approach, helping it achieve sustainable growth and consistent profitability.

With the studio continuing to expand its output across animation, film and online content, BWS says the next chapter is set to be its most ambitious yet.

Ben added: “This is a moment to celebrate, but it is also a chance to look ahead. We’ve built strong foundations and we’ve got real momentum behind us. We’re excited about what comes next and hugely grateful to every client, collaborator, supporter and member of the team who has been part of the journey so far.”

Tony Bellew and Charlie Parsons launch ‘Fight Your Corner’ podcast

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Former WBC Cruiserweight champion Tony Bellew and content creator Charlie Parsons have joined forces for Fight Your Corner, a weekly show built around fiery debate and fresh takes on boxing and combat sport.
Episodes will be available on all major podcast platforms, with full video on Spotify and YouTube, from 6 May at 5pm.
The show swaps the usual interviews and fight previews for something with more edge. It will feature big names, bold opinions and genuine arguments about the moments that matter in the fight game.
Tony Bellew is one of the best boxers Great Britain has produced. After winning the WBC Cruiserweight title in his home town of Liverpool at Goodison Park in 2016, he has become one of the most respected voices in the sport as a pundit for global boxing coverage.
Charlie Parsons has built a strong reputation for drawing out honest, compelling conversations consistently uncovering stories and angles that others don’t get access to. He’s generated hundreds of millions of views across social media, a track record that led him to co-found The Stomping Ground – a content platform competing with the biggest in the space.
Tony Bellew said: “The only thing I love more than an argument is boxing. The fact that I get to cover both, every week, with big names who I respect – I’m very excited by this.”
Charlie Parsons added: “This show is going to take boxing content to the next level. From the calibre of names appearing to the quality of what we’re producing – I can’t wait for the world to tune in.”
Conor Hewitt, Head of Sport at Platform Media said: “We’re proud to be partnering with two of the most compelling figures in the space. Bellew’s ringside authority and Parsons’ track record in creator-led content make this a genuinely differentiated proposition. Bold conversations, big guests, and a format built for the way combat sports audiences consume content today, this series arrives at an incredibly exciting time for the sport globally.”

High Earners in the UK Turn to Pensions to Offset Rising Tax Burdens

For many high-earning professionals and business owners, climbing income brackets can result in a heavier tax burden and reduced net earnings. Pension contributions remain one of the most effective and widely used methods to help reduce taxable income and improve long-term financial outcomes. Providing that you understand the mechanics of the UK tax system, a pension is far more than a simple retirement vehicle. It functions as a powerful tax-efficiency engine that can immediately boost your net wealth by reclaiming tax that would otherwise be lost to the Exchequer. At Global Tax Consulting, we frequently observe that maximizing these contributions is the single most effective way to manage a high-rate tax liability. In this guide, we will explore why pension contributions remain one of the most valuable forms of tax relief in the UK and how you can use them to navigate complex traps like the 60% marginal tax rate.

Understanding the Tax Relief Cap

To begin, you should note that tax relief on personal pension contributions is capped at the higher of £3,600 gross or 100% of your relevant earnings for the tax year. For these purposes, relevant earnings generally include taxable employment income and taxable self-employment income. If you contribute more than this personal limit, you may still be able to contribute to a pension, but you will not obtain tax relief on the excess amount.

Understanding Relief at Source and Net Pay Arrangements

To utilise pensions effectively, you must first distinguish between the two primary ways tax relief is applied: Net Pay and Relief at Source. While both aim to ensure you do not pay income tax on money destined for your pension, the administrative process differs significantly, particularly for those in higher tax brackets. Under a Net Pay arrangement, your pension contributions are deducted from your gross salary before income tax is calculated. This is common in many modern workplace schemes. Because the money never enters your “taxable” pay, you receive full relief at your highest marginal rate automatically through payroll. You do not need to take further action to claim back higher or additional rate tax. Conversely, Relief at Source is the standard for most personal pensions and many group personal pension schemes. In this scenario:
  1. Your contribution is made from your “net” (after-tax) income.
  2. The pension provider automatically claims basic rate tax relief (20%) from HMRC and adds it to your pot.
  3. If you are a higher-rate (40%) or additional-rate (45%) taxpayer, you must claim the remaining 20% or 25% yourself.
To claim this additional relief, you must include the details of your grossed-up pension contributions on your UK tax return. Failure to do so results in thousands of pounds of unclaimed relief remaining with the government.

Navigating the 60% Marginal Tax Rate Trap

Perhaps the most compelling reason for high earners to increase pension contributions is the “60% tax trap.” This occurs when your adjusted net income falls between £100,000 and £125,140. While the official higher rate of tax is 40%, the reality for those in this bracket is much more expensive due to the withdrawal of the Personal Allowance. The UK tax system mandates that for every £2 you earn over £100,000, you lose £1 of your £12,570 Personal Allowance. This creates an effective marginal tax rate of 60% on that specific slice of income. For example, if you earn £110,000, you not only pay 40% tax on that extra £10,000, but you also lose £5,000 of your tax-free allowance, which is then taxed at 40%. You can legally avoid this trap by making a strategic pension contribution. By contributing enough to bring your “Adjusted Net Income” back down to £100,000, you effectively:
  • Restore your full Personal Allowance.
  • Receive 40% tax relief on the contribution itself.
  • Avoid the 60% effective tax rate entirely.
In many cases, the “cost” of a £10,000 pension contribution for someone in this bracket is effectively only £4,000. Providing that you have the liquidity to do so, this represents an immediate 150% “return” on your investment before the funds have even been invested in the market.

The Tapered Annual Allowance for High Earners

While pension contributions offer immense value, ultra-high earners must remain vigilant regarding the Tapered Annual Allowance. As of the 2026 tax year, the standard Annual Allowance: the maximum you can contribute to a pension while receiving tax relief: is £60,000. However, this allowance begins to “taper” or reduce for those with high incomes. The taper applies if both your “Threshold Income” is above £200,000 and your “Adjusted Income” is more than £260,000. For every £2 of Adjusted Income over £260,000, your Annual Allowance is reduced by £1, subject to a minimum allowance of £10,000. If you are a high earner, you must therefore review both measures carefully before making large contributions, as the standard £60,000 figure may not be available in full. The consequences of the taper are as follows:
  • The Floor: The allowance can be tapered down to a minimum of £10,000.
  • The Charge: If you contribute more than your tapered allowance, you will trigger an Annual Allowance tax charge, which effectively claws back the tax relief.
  • Complexity: Calculating adjusted income requires a precise review of P11D benefits, dividends, and employer pension inputs.
If you contribute in excess of your available Annual Allowance, the excess is subject to an Annual Allowance tax charge at your marginal rate of Income Tax. In practical terms, this charge removes the benefit of the excess relief you received. In some cases, providing that the charge meets HMRC’s conditions, your pension provider may be able to pay the charge on your behalf under “Scheme Pays”, with the amount then recovered from your pension benefits.

Leveraging Carry Forward Rules

If you have had a particularly high-income year: perhaps through a large bonus or the sale of a business: you may find that the £60,000 Annual Allowance is insufficient. In such cases, you may be able to use “Carry Forward.” Carry Forward allows you to make use of unused allowances from the previous three tax years, provided you were a member of a registered UK pension scheme during those years. To do this correctly, you must: a) Fully utilize your current year’s allowance first. b) Use unused allowance from the earliest of the three years first. c) Ensure your total personal contribution does not exceed 100% of your relevant UK earnings for the current tax year. This is a complex area of tax planning where mistakes can be costly. For instance, if you did not have a pension scheme in place three years ago, you cannot carry forward allowance from that year. We recommend that you seek professional tax consulting advice before making large “catch-up” contributions to ensure you remain compliant with HMRC regulations.

Conclusion: Taking Control of Your Tax Position

Pension contributions remain the “gold standard” for UK tax planning. By moving income from your “taxable” column to your “pension” column, you are not merely saving for the future; you are actively increasing your current net worth by reclaiming tax at rates of up to 60%. In summary, pension contributions are highly effective for reducing your Income Tax exposure, restoring lost allowances, and building long-term value. However, to achieve these outcomes, you must keep careful track of the Annual Allowance, particularly if tapering or carry forward may apply. A well-timed contribution can be highly efficient, but only if the calculation is correct.

How Global Tax Consulting Can Help

If you are unsure how much you can contribute, Global Tax Consulting can assist with Annual Allowance calculations as part of your wider UK tax planning. This includes reviewing your threshold income, adjusted income, pension inputs, and any available carry forward, so that you can contribute with confidence. If you would like Global Tax Consulting to review your pension position and complete your Annual Allowance calculation, we invite you to get in contact. Let us help you turn a complex tax system into

I’m an eye surgeon – here are the reasons you shouldn’t delay an eye test

Brits are being urged not to neglect routine vision tests as a leading eye surgeon warns that many serious problems develop “silently”.

Ms Masara Laginaf, award-winning consultant at OCL Vision, says too many people wait until their sight noticeably deteriorates before booking an appointment, by which point some conditions may already be advanced.

She explained: “An eye test is an important health check, not simply about updating your glasses prescription.

“That’s because a number of potentially sight-threatening conditions develop gradually and without pain, so patients often don’t realise anything is wrong.”

With the latest NHS stats showing the number of vision-related outpatient hospital visits increased by 27% between 2014 and 2024, the need to be aware of potential problems before they develop is more important than ever.

Age increases risk

While most adults under 60 with no existing problems are advised to have an eye test every two years, Ms Laginaf recommends annual checks for those over 60 – when the risk of cataracts, glaucoma and macular degeneration rises significantly.

“As we age the natural structures of the eye change,” she said. “Cataracts become more common and conditions such as glaucoma are more likely to develop.

“Yearly examinations allow us to detect changes early and intervene at the right time.”

Cataracts – a clouding of the eye’s natural lens – often develop slowly. Early symptoms can include glare from car headlights, colours appearing duller or difficulty reading in low light.

The OCL Vision expert added: “Many people adapt without realising their vision has declined.

“They may avoid night driving or need brighter lights at home and assume it is just part of getting older. In reality, assessment and treatment can dramatically improve quality of life.”

‘Silent’ threat of glaucoma

Glaucoma remains one of the major concerns for eye specialists because it frequently has no early warning signs. The condition damages the optic nerve and can lead to permanent sight loss if left untreated.

“Glaucoma is often called the ‘silent thief of sight’,” said Ms Laginaf. “By the time peripheral vision is noticeably affected, some damage may already be irreversible.

 

“Routine eye examinations are essential because they allow us to detect raised eye pressure or early optic nerve changes before symptoms appear.”

Those with a family history of glaucoma are particularly at risk and may require more frequent monitoring.

Not just an older person’s issue

Younger adults are not immune to eye health problems. Increased screen time, in particular, has led to rising complaints of digital eye strain, dry eyes and headaches.

Ms Laginaf explained: “Extended phone and tablet use can exacerbate dryness and highlight focusing issues.

“Regular checks help ensure there are no underlying concerns and allow us to advise on practical steps to reduce strain.”

People living with diabetes are also advised to attend regular screening, as diabetic eye disease can progress without obvious symptoms in its early stages.

Know the warning signs

Ms Laginaf advises residents to seek urgent assessment if they experience sudden vision changes, flashes and floaters, persistent eye pain or distorted central vision.

“Any sudden deterioration should be examined promptly,” she said. “It may be minor but occasionally it signals a retinal condition that requires urgent treatment.”

She added: “If you can’t remember your last eye test, that is usually a sign it is time to book one. Early detection gives us the best opportunity to preserve sight for the long term.”