With the tax year end approaching, now is the ideal time to review your finances and ensure you’re making full use of available reliefs and allowances. Here are the key areas to consider before 5 April 2026. Maximise your savings If you have spare funds, making use of your £20,000 ISA allowance for 2025/26…
28th January 2026 Over the last few Budgets, the government has announced a wide range of tax changes. Some are already in place, while others will be introduced gradually over the next few years. We have put together a guide that sets out the main changes, year by year, so you can see what’s coming…
As a financial adviser, one of the most common questions I hear—especially during periods of political or economic turbulence—is, “Should I sell my investments?” It’s a fair question. With headlines dominated by trade tensions, political uncertainty, and dramatic market moves, it’s natural to feel uneasy. Right now, for example, the ongoing discussion around Donald Trump’s…
As the tax year comes to a close on 5 April, it’s a great time to get your finances in order and take advantage of any available tax breaks. Whether you’re employed, self-employed, or have investments, here are some simple year-end tax tips to consider. Use Your ISA Allowance Every tax year, you have…
The UK’s Autumn Budget of 2024, presented by Chancellor Rachel Reeves, introduced several significant changes to the pension landscape. Here’s an overview of the key reforms and their implications: State Pension Increase The government has committed to maintaining the State Pension Triple Lock for the duration of this parliament. Consequently, the basic and new…
This year will see over 2 Billion people worldwide heading to the polling stations with many of the biggest countries in the world having a general election. The key to this from an investors point of view is where does each result leave you? Markets do not like uncertainty and so in that regard…
There is no doubt that in the last decade social medial has completely changed how we consume content. It is somewhat of an unavoidable juggernaut. What started initially as photos and socialising has transitioned to direct advertising and news consumption on a massive scale. According to a 2023 Ofcom report 47% of UK adults…
When it comes to retirement planning one of the questions that you can never answer is how long exactly will you need the income for? It is obviously impossible to work out exactly how long you will live for, so what most people do is use their parents age (where possible) to give them a…
With the budget on 15th March 2023 and the end of the tax year fast approaching most pre year-end tax planning will have been completed or should be well under way. However, there may still be some measures which can be undertaken to improve your tax position. Here are our top five tips to…
The Capital Gains Tax (CGT) annual exemption for individuals, personal representatives and trusts is to change from 6th April 2023. We thought it would be useful to summarise the changes as they may influence tax planning opportunities in advance of the end of the tax year. Background CGT is charged on gains arising from…
