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The Costly Pension Mistake That Could Leave Your Family With a Massive Tax Bill
If you’re over 50 and building up significant pension savings, your pension isn’t just a tool for retirement income—it could also become one of the most tax-efficient ways to pass on wealth to the next generation. But here’s the catch: a single overlooked detail...
Are ISA Allowances About to Change? What We Know So Far
The government is planning changes to your ISA allowance—and if you have built up serious wealth in these products, these changes could matter more than you think. In this article, we’ll explain what we know so far about the proposed ISA reforms, why the government...
How The Government’s Borrowing Costs Will Be Crushing People’s Retirements AGAIN
There has been a lot of press coverage in recent weeks around the UK government’s borrowing costs and how a rise in gilt yields means it’s costing more to service our debt. Whilst this has impact on the government’s spending plans and means less money for public...
Reform UK’s Plans For Your Finances
With an apparent surge in membership, a rise in the opinion polls and a potential huge donation from one of the richest men in the world, Reform UK could genuinely be in contention at the next general election. If they were able to overcome the challenges of the...
Shielding Your Pension from Inheritance Tax
Shielding Your Pension from Inheritance Tax Smart Strategies with Annuities and Life Insurance Inheritance Tax has long been a concern when you are looking to pass down your wealth, but pensions have traditionally been an exception as they are not normally subject to...
Why Labour’s Pension Megafunds Are A Bad Idea
When it comes to this Labour government and pensions their big focus is on their Pension Review. Like when any new government comes to power, they always promise a review when they don’t necessarily know the full details of or have yet to come up with, ideas that...
Some Things About Inheritance Tax You Might Not Have Been Aware Of
“In this world nothing can be said to be certain, except death and taxes.” Benjamin Franklin According to polling, Inheritance Tax is the most unpopular tax in the UK. You pay taxes on your work, you pay taxes on your spending, you pay taxes on your travel, you...
The Hidden Trick To Increasing Your ISA Allowance
For 25 years Individual Savings Accounts (ISAs) have been a great way to invest and grow your wealth. Up until the recent Budget they were virtually free of all taxes. Whilst the Budget has changed the rules on Inheritance Tax, proposing that from 2026 shares in...
New Pension IHT Rules
How Your Pension Is Nearly Wiped Out By Taxes Under New Budget Rules Before the latest Budget announced by the government just a few weeks ago pensions were one of the best financial arrangements for avoiding Inheritance Tax and securing your future retirement. It...
How Safe Is Your Will?
How Safe Is Your Will? How Someone You Don’t Want To Can Claim Your Estate Imagine this: you’ve carefully drafted your Will, outlining exactly who should inherit your hard-earned assets, thinking you’ve done everything necessary to protect your loved ones. You feel...
Is The UK State Pension Heading For Means Testing?
It was once the cornerstone of retirement and for around 40% of the UK population the State Pension is their main or only source of income in retirement. However, could we be on the verge of a dramatic shift. As government costs soar, there’s a looming question no...
How The Budget Destroyed Inheritance Tax Planning
The latest Budget just blew up everything we thought we knew about Inheritance Tax planning. If you’ve been relying on things like Agricultural Property and Business Relief to protect your assets, or thought pensions were safely out of reach, think again. ...
Budget: Key Points
Well it wasn’t quite as bad as we all thought. The Chancellor’s recent Budget announcement has brought in significant changes, affecting everything from income tax thresholds to pensions and Inheritance Tax. For now, here’s a quick look at the headlines before I...
The Three Most Likely Pension Changes Coming In The Budget 2024
Lots of people are worried about the potential tax rises that could be announced in the upcoming Budget on 30th October 2024. The government is coming for your wealth and therefore we are all searching for hints of what might be put out. One of the most insightful...
Should You Take Your Pension Tax Free Cash Now?
A question that I keep getting asked right now is, should I take my pension tax free cash? The rumours are rife that Labour may do something with pensions when their first Budget comes round on the 30th October 2024. We know they plan to raise money from somewhere...
Should You Still Invest Your Pension In The UK Stock Market?
In the 1970s the UK stock market was one of the largest in the world when you measured the value of all the companies listed there. Nowadays if we look at where every single investor in the world invests, the UK stock market has declined to less than 5% of the global...
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