In this week's Magic Moments episode, I sit down with Mr Tej Gill, a serious financial whiz.

If you’ve ever wondered how to get more out of your money without giving half of it to the taxman, this one’s for you.

We get deep into pension schemes - what they actually are, how to use them to your advantage, and why most of us are totally sleeping on the power they hold.

Tej drops some absolute gold about maximising contributions, using carry-forward allowances from previous years, and even a smart trick involving unallocated contributions through SSAS (Small Self-Administered Schemes).

Sounds technical, but he breaks it down so clearly, it all makes sense in the end.

This one’s packed with practical, easy-to-action advice to get your financial house in order and build some proper long-term wealth. 

We also cover:

- How to contribute up to £60K a year into your pension (and maybe more)

- Why opening a pension is something you can do right now

- A game-changing SSAS strategy that lets companies make pension contributions without breaching your personal limits

- How to gift money tax-free from surplus income 

- Why future-you will thank present-you for sorting this out sooner than later

Tune in and learn and if you want MORE tax secrets - tune into the FULL episode right here.