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Explaining the rules
Inheritance tax on pensions from April 2027
Most unused pension funds will count towards your estate for inheritance tax from 6 April 2027. What has changed, who it affects, and what it means for the people who inherit.
Gifting money to children and family
The annual exemption, gifts out of normal income, the seven-year rule and why taper relief helps less than people expect.
What is a good retirement income?
What different retirement lifestyles actually cost, where the state pension fits, and how to work out the pot you need.
Pension drawdown explained
How drawdown compares with an annuity, why the order of returns matters more than the average, and how much you can sustainably take.
The 25% tax-free lump sum
How it works, the allowance that caps it, and the reasons for taking it early that do not hold up.
Salary sacrifice into a pension
Why it beats an ordinary contribution, where it is worth most, and the salary-linked benefits to check first.
The ISA allowance explained
Use it or lose it, the main types, the transfer mistake that wastes allowance, and how ISAs are treated for inheritance tax.
Who is responsible for care home fees?
Next of kin are not liable. How means testing works, and where the NHS pays instead.
Care fees and your home
When a home is disregarded, how deprivation of assets works, and why arrangements sold to protect a property usually do not.
Dementia and care funding
Why dementia care is usually means tested, how NHS Continuing Healthcare is assessed, and how to challenge a decision.
Long-term care insurance in the UK
Why pre-funded cover has largely gone, and the case for and against an immediate needs annuity.
Discretionary trusts explained
What they do, how they are taxed at entry, every ten years and on exit, and the case against using one.
Types of trust, and what each one is for
Bare, discretionary, interest in possession, will, loan and gift trusts, and how each is treated for inheritance tax.
Each guide carries a review date. Where a figure changes with the tax year, we update the page.
None of this is advice
These pages explain how the rules work. None of this is meant as financial advice and is for information only.
If you want to know what any of it means for you, please get in touch.