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The Office for National Statistics has taken a fresh look at our mortality.  Roughly every two years, stories in the media tell us how many children will live to the age of 100. The latest projections are that 11.5% of boys and 17.9% of girls born in 2023 will become centenarians. The prompt for these […]

The House of Commons Treasury Committee has been pondering the future of Lifetime ISAs (LISAs).    The Lifetime ISA (LISA) is arguably a good example of brand overstretch. When ISAs were first launched in 1999, there were only two varieties, and they replaced two existing tax-favoured savings plans – PEPs (personal equity plans) and TESSAs […]

The Government is showing no signs of changing its plans to levy inheritance tax (IHT) on pensions.  Sometimes what creates the most noise (in the wake of a Budget) is not what will hurt the taxpaying population most in the future. A perfect example from last October’s Budget is the set of measures aimed at […]

2025 introduces a technical change to company car tax, which could alter your next choice of car.    In recent years, the tax rules for company cars have provided a major incentive to choose a battery electric vehicle (BEV), with zero CO2 emissions, or a plug-in hybrid electric vehicle (PHEV) with CO2 emissions of 1-50g/km. […]

If anything happened to you tomorrow, how much does your partner know about your finances and how easy would it be for them to find out?   It’s been five years since the pandemic turned the world upside down. The experience provided lessons in many aspects of life, not least its potential fragility. During the […]

The start of the new tax year warrants as much planning as the end of the old tax year.  While the end of the tax year on 5 April is a major focus of tax planning, it doesn’t end there. The following day may require much less immediate attention, but there is an argument for […]