With the 2025/26 tax year-end approaching, now is the time to act to maximise your annual allowances. Key priorities include using your £20,000 ISA allowance for tax-efficient growth and pension contributions.
Other allowances, such as Capital Gains Tax, Dividend Allowance and Junior ISAs, are ‘use it or lose it’ opportunities. On page 08, we explain why early action avoids last-minute panic and secures these tax savings and the potential for long-term financial growth.
With rising life expectancy, more of us will need long-term care, making early financial planning essential. Fees have surged, and regional cost disparities add to the challenge. Funding options include annuities, insurance, investments and equity release. On page 12, we consider how professional advice is crucial for navigating tax implications and securing a sustainable plan for future care needs.
Inheriting wealth can be life-changing but comes with challenges. On page 28, we explain why holding excessive cash may not be the best decision as inflation erodes its value. Instead, consider diversified investments.
Financial uncertainty is growing, with many feeling life is unpredictable. Rising inflation, energy costs, and tax increases fuel concerns, prompting shifts such as increased cash savings and delayed retirements. While saving is important, balancing short-term needs with long-term investments is key. Reviewing pensions and seeking advice builds resilience and confidence. We look at this on page 06.
A complete list of the articles featured in this issue appears on pages 02 and 03.
Wealth planning for your future
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