Wealth Management & Wealth PreservationMulti award winning chartered financial planner
According to the British Heart Foundation, it can also reduce...
According to a report from Paragon Bank (16 March 2026), 43% of mortgaged buy-to-let property purchases in 2025 were through a limited company. This compares to 35% in 2024 and just 7.5% in 2018.
So, as a landlord, is a limited...
According to an article from Which? (1 March 2026), people who have spent most of their working life as self-employed are three times more likely not to have a private...
Telling the story of Odysseus’s journey home after the battle of Troy, the film brings Homer’s epic poem to the big screen. The hero faces a multitude of challenges along the way, clashing with sea monsters, Sirens, the Cyclops, and...
According to a survey conducted by Aegon (5 March 2026), 1 in 3 UK adults has done nothing to prepare for death. Even among adults who have taken steps to...
At the end of February 2026, the US and Israel launched strikes on Iran, which have further escalated. The uncertainty caused by the war has affected market confidence, leading to falling prices.
The FTSE 100, an index of the largest companies listed on the London Stock Exchange, was off to a...
But learning new skills and knowledge can also deliver numerous benefits in retirement. It can often be enjoyable and create opportunities to socialise, while helping to keep your mind active and potentially improve your overall wellbeing in later life.
However, studies...
According to a Telegraph article (11 December 2025), the Office for Budget Responsibility (OBR) has adjusted its estimate for how much will be raised through taxes, including CGT.
The OBR now predicts revenue from CGT will reach £114 billion between the 2025/26 tax year and 2029/30 – an increase of £6...
Currently, pensions are usually outside your estate for IHT purposes. As a result, your pension might provide a tax-efficient way to pass on...
A cashflow model is a powerful tool that financial planners can use to show how your wealth might change over the long term in...
The article in IFA Magazine (13 January 2026) suggests 21% of UK adults haven’t set a financial goal for 2026, and 24% said they...
Gordon Kearney, Managing Director & Financial Adviser
Posted in Inheritance Tax on 20.02.26
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Quick Answers
What is the inheritance tax threshold in 2026?
The nil-rate band remains frozen at £325,000. If you own a home and are leaving it to children or grandchildren, you may also qualify for the residence nil-rate band of £175,000, giving a potential individual threshold of £500,000. Married couples and civil partners can combine allowances, potentially passing on up to £1 million IHT-free in the...
However, the delivery was inconsistent, as the requirement wasn’t mandatory across all schools.
Now, as part of a curriculum assessment, a stronger approach to financial literacy lessons is being adopted. From 2028, this education will be mandatory in primary schools, reinforced at...
Industry figures suggest average residential care home fees are almost £66,500 a year. However, 60% of over-45s believe the annual cost would be less than £60,000, with 28% underestimating the...
Fortunately, there are plenty of tax efficiencies when you save your wealth into a pension.
Indeed, any investment returns generated within your fund are typically free from Income Tax and Capital Gains Tax.
Better yet, you can also receive tax relief on your contributions,...
If you’re recently divorced, here’s why you might want to make your financial plan a...
According to the Guardian (31 December 2025), the FTSE 100 increased in value by a fifth in 2025, marking the strongest annual gain since 2009. When markets closed on New Year’s Eve 2025, the index was up 21.5% compared to where it was at the...
The new year is a time when we take a moment to take stock. To review what we want from life, and the year ahead in particular. Very often...
According to a survey carried out by think tank the Social Market Foundation (12 August 2025), just 20% of self-employed workers save into a pension, compared to 78% of...
Upcoming changes will also see unused pensions included in an estate for IHT purposes for the first time from April 2027.
These measures could see estates facing a larger IHT liability, or coming into the scope of IHT when they may previously have been exempt.
Research...
Talking about finances might seem too practical for a day that’s about celebrating love. Yet, it could support your relationship. Here are two reasons why you might want to create a single financial plan with your partner.
1....Striking the right balance with pension contributions is important. Contribute too little, and you could leave yourself short in retirement. If you contribute as much as possible to your pension now, you might miss other goals or...
Creating goals on your own can be challenging, especially if they bring together several different parts of your financial plan or have a long-term time frame. If you’re overly ambitious, it can be disheartening if you don’t reach the target you’ve set....
Sometimes, when we make major financial decisions, the question of money must come first. Specifically: “Can I afford it?” and “Is it...
After five years of...
This guest blog was written by Chris Budd, who wrote the original Financial Wellbeing Book as well as The Four Cornerstones of Financial Wellbeing. He founded the Institute for Financial Wellbeing and has written more than 100 episodes of the Financial Wellbeing Podcast.
Whether we have it or need it, whether we manage it, accumulate it, or are spending it, money creates anxiety.Anxiety can be debilitating....
While you might still earn a salary as you phase into retirement, if you’ve chosen to reduce your working hours or switch roles, it might not be enough to maintain your lifestyle.
If this is...
