Our quarterly report, written to step back from the day to day and look at the themes shaping your money over the months ahead.
What’s inside this issue
This edition centres on passing wealth on, opening with the historic wealth transfer already under way and a plain English reminder of how Inheritance Tax works. From there it covers the dividend outlook for the year, why the start of the tax year is the best time to plan, the coming changes to salary sacrifice, and what the Spring Forecast actually told us. There are also pieces on sustainable investing, building your retirement pot in small steps, the rise of the sabbatical, ISA confusion, and why AI still cannot replace real advice.
A theme worth your attention
Over the next couple of decades the UK will see one of the largest transfers of wealth in its history, with an estimated 7 trillion pounds changing hands by 2050. Yet around 70 per cent of family wealth is typically lost by the next generation. With the Inheritance Tax treatment of pensions changing from April 2027, this issue makes the case for reviewing your plans now rather than leaving them to chance.
Who it’s for
Anyone who wants the bigger picture without wading through the headlines. Whether you are planning for retirement, thinking about passing wealth on, or simply want to make your allowances count this tax year, there is something here worth ten minutes of your time.
Worth knowing before you read
This is general information rather than advice, and the rules can change. Think of it as a starting point. If anything in it raises a question about your own situation, that is what we are here for.
