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As expected, and as inadvertently flagged by the Office for Budget Responsibility, the 2025 Budget included a raft of changes for business owners. From tax hikes to changes to allowances and incentive schemes, there is much to digest.
While the LTA is no longer part of the pension landscape, its spirit lives on through a new regime of fixed allowances that could quietly erode pension value over time.
Save As You Earn (SAYE) share schemes — commonly called Sharesave schemes — are a popular way for employees to save and invest in their company’s shares. They offer a great opportunity to benefit from growth in the company’s value, as well as being subject to beneficial tax treatment.
Our cross-border experts have compiled a handy checklist with 10 key steps to ensure that you do not jump the gun and make a rash decision that you may later regret.
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HMRC, the shadow beneficiary, who never calls or visits, never gives presents, or helps out in times of need, but still expects a share of a deceased estate when the time comes.
As we approach the 'Great Wealth Transfer'—the largest generational wealth transfer in history—and navigate an increasingly complex tax landscape, estate planning has become more crucial than ever. Ensuring that clients have an appropriate and efficient estate plan in place not only benefits the client and their beneficiaries by ensuring optimal outcomes but also helps build relationships with the clients' wider network. This, in turn, aids in client retention, one of the biggest hurdles advisers will face during the 'Great Wealth Transfer'.
A family fund can offer significant tax, continuity benefits and can form part of wider wealth strategies for certain clients. They can enable clients with substantial investments who seek to defer tax on capital profits. These funds are authorised and regulated by the FCA, providing a valuable tool for managing wealth efficiently as we approach the Great Wealth Transfer.
After someone dies, any ISAs they hold are effectively frozen and no money can be paid to beneficiaries during the administration of their estate. This is considered a ‘continuing ISA’, which during this period maintains its tax efficiency.
It is common knowledge that capital losses for private clients can be carried forward. For this valuable feature of the tax system to be utilised though, losses must be reported before the end of four full tax years following the year the loss occurred. It is often assumed that losses cannot be carried back. However, in the specific situation of a loss in the tax year someone dies, losses made before their death may be carried back.
Use trusts appropriately, and you can gain a greater degree of certainty about the handling of your financial affairs, both for now and in the future.
For the second year running chancellor Rachel Reeves significantly raised taxes in her Autumn Budget - this time to the tune of £26bn.
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When decumulation conversations start with our clients, this can signal the end of the accumulation journey, and the start of the most critical phase of a client’s investment and planning journey.
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The value of your investments and the income from them can fall and you may not recover what you invested.
