In this week's blog, we explore the mechanics of taper relief and how combining direct gifting with a short-term insurance policy can provide both tax efficiency and peace of mind.

One of the most effective estate planning strategies has been to leave your pension untouched for as long as possible. However, ‘the times, they are a-changin’, the government plans to bring pensions into the scope of IHT from April 2027.

Inheritance tax (IHT) continues to affect more families each year. IHT receipts rose by 7% last year and current forecasts suggest a further 5%+ increase this year. To make matters worse, major changes to pension legislation are looming.

Regularly gifting from surplus income is a powerful way to pass on wealth completely free from IHT, without the usual 7-year rule

Is doubling down on US equities, at the expense of global diversification, a good strategy? We think not.

Charitable bequests: where philanthropy meets tax efficiency.