HMRC change to bond surrender calculation
So, i've just returned from maternity leave and watched a video from Standard Life explaining the new way to calculate a bond surrender. I have a client with an offshore bond and before I left I calculated she would have no tax to pay as the top sliced gain when added to her earned income was within the basic rate of tax. Now following the standard life video my client would pay over £14,000 in tax. I'm convinced this cannot be correct but cannot find any other guides or literature. Has anyone come across any other guides?