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Lee Gardner - Retirement Expert on Instagram: "Carry forward is one of the most misunderstood pension rules in the UK. It allows you to use unused Annual Allowance from the previous three tax years — but only after fully using the current year first. It is not a loophole. It is not automatic. And it must be calculated correctly. For higher earners, taper rules can reduce the available allowance significantly — year by year. This post is purely to explain how the legislation works. It will not ap
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