Estella Bogira

Partner

Estella specialises in pensions and private wealth, including all aspects of UK pensions, the UK tax treatment of overseas pension schemes and complex, private wealth pension matters.

Estella has a strong occupational pensions practice, advising employers and trustees on all aspects of work-related pension provision. Estella has extensive experience of advising on benefit design changes, member complaints, automatic enrolment, scheme mergers, liability management exercises, corporate transactions, and general pensions law queries.

Estella enjoys working with smaller employers and not-for-profit organisations as well as large corporates. Estella regularly advises employers, trust companies, and individuals on matters relating to overseas pension arrangements including QROPS, QNUPS, EFRBS and IPPs. Estella's private client pensions practice involves advising individuals on all matters related to pensions, and in particular pensions tax in connection with retirement and succession planning.

Estella's private clients typically have an international dimension; whether through overseas pension savings, or their own current or intended non-UK residency status.

Estella's clients appreciate her ability to communicate highly technical legal concepts in an understandable way, her focus on providing commercial, practical advice, and her personable manner.

Insights

VAT recovery on pension costs

On 18 June 2025, HM Revenue & Customs (HMRC) changed its policy on the recovery of VAT on investment costs. Effective immediately, employers can now treat all VAT incurred on investment management services for occupational pension schemes as their own input tax and reclaim it, in line with standard input tax rules.

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Pension Schemes Bill published

On 5 June, the Government published the Pension Schemes Bill. The Bill aims to tackle fragmentation, boost investment, increase saver returns, address waste across the defined contribution (DC) workplace pensions market and the Local Government Pension Scheme (LGPS) and allow additional flexibility for the extraction of a DB surplus.

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Pensions update: major Virgin Media development

The Government has announced that it will introduce a legislative 'fix' to give pension schemes the ability to retrospectively obtain written actuarial confirmation that historic benefit changes met the necessary standards.

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