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Pensions & IHT: the ‘double tax’ trap
From April 2027, most unused pensions and death benefits will fall into estates for IHT purposes. Where someone dies aged 75 or over, their inherited pensions may be subject to both IHT and income tax. If you pass your pension to a spouse or civil partner, it’s IHT...
The missing years: caring, career pauses & long-term planning
Figures show women are substantially more likely than men to take a career break during their working life.1 Whether it’s maternity leave, caring for young children, or looking after elderly family members, the responsibilities that lead to time out of paid work are...
Financial bubbles – great stories but bad investments
Financial markets have a habit of repeating themselves. Every so often, investors become excited about a new technology or industry sector. In response, prices will often rise rapidly, drawing in more buyers and pushing asset prices higher. These price...
The capital gains tax surprises that catch people out
The run-up to a Budget often prompts people to think about tax and their finances. While future tax policy remains uncertain, understanding the rules that apply today can help avoid costly surprises. Capital gains tax (CGT) is one area where unexpected bills can...