FTAdviser Podcast is the weekly podcast for financial advisers brought to you by FTAdviser.com. In this week's episode, Justin Scott, senior pensions consultant in Standard Life's technical team explains how advisers can help clients who approach them 'too late' about how to use their allowances as the tax year ends. Mr Scott discussed the tax advantages of pensions and what challenges higher earners faced. Finally, he explained what the 'pension tax equation' is and why it might be helpful.

The FTAdviser Podcast is designed to inform regulated UK advisers on a range of topics, covering investments, pensions, regulation and other key issues.

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