Thank you for your reply. I have consulted the page to which you referred. As I understand it, as I have fixed protection 2016 LTA that was granted in 2021, I had to adhere to the restrictions on what I could do with the pension and AVCs until 6th April 2023. Thereafter, I was free to combine my AVCs with my defined benefit pension (that was generated with the same employer), without losing fixed protection 2016 LTA.
I am having problems because the scheme administrator for the defined benefit scheme is offering to combine the AVCs with the defined benefit pension to give a larger tax-free lump sum and a larger annuity, but is insisting that in doing so, I would lose fixed protection 2016 LTA. The defined benefit scheme administrator has a copy of the fixed protection 2016 certificate, which was issued in 2021, and fully accepts that the protection is currently valid. In essence the administrator seems to believe that the restrictions on what I can do with the pension and AVCs still apply today, despite my protection being issued in 2021.
Therefore I need to know if I am correct in believing that because my fixed protection was granted before March 2023, the restrictions in what I do with the defined benefit pension and the AVCs only apply in the period from 2016 until 6th April 2023. If that is correct, I would appreciate your confirmation so that I can take it to the scheme administrator, which I assume has been giving the same information to other clients.
Thank you very much for your help.