News & Views

Author: Christy Morrison

Dividend allowance drop

Since the £5,000 dividend allowance was introduced on the 6th April 2016, the differences between an ISA and a General Investment Account (GIA) have been marginal for assets under a…

The lifetime allowance – have you considered it?

Most people haven’t considered the pension lifetime allowance (LTA) and probably don’t think it will ever have an impact on them. However an increasing number of pension savers are facing…

Five tips to mitigate inheritance tax liability

According to recent HMRC tax data the number of UK estates liable for inheritance tax (IHT) is forecast to rise by 15 per cent to around 30,000 this year.  Every…

Pensions – have you fully reviewed your options?

When your annual pension statements land on your doormat, do you pop them in the drawer and promise yourself that you will “sort out your pension plans later in the…

Offshore Bonds and Tax Optimisation

Getting the most out of the available tax allowances and reliefs is a crucial part of your wealth planning. You could save 20%, 40% or even 45% tax on your…

Inheritance Tax and the new Residential Nil Rate Band

Christy Morrison, Head of Wealth Planning, reviews Inheritance Tax and the new Residential Nil Rate Band. Inheritance Tax (IHT) is the tax levied on your estate when you die. An…

One year on from UK pension freedom

6 April 2016 marked the one year anniversary of pension freedoms, which transformed the landscape in terms of the options and flexibilities available on retirement. No longer were retiring individuals…

The March 2016 UK Budget

The most recent UK budget in March 2016 introduced a few surprises; below is an overview of some of the changes coming our way. Personal Allowance and Higher Rate Tax…