INSIDE THIS ISSUE

Welcome to our latest issue. As the 2025/26 tax yearend approaches on 5 April 2026, now is the time to review
your finances to ensure you’ve maximised all available
allowances and reliefs. Tax year-end planning can help
you save money, improve your long-term investments,
and make better use of government incentives before they
reset in April. On page 06, we’ve provided five key areas
to consider before the deadline. Taking action before
5 April can help you reduce your tax, maximise
allowances, and strengthen your financial position.
Reviewing your ISAs, pensions, and estate plans now
ensures you make the most of every opportunity.
Death and money are two of life’s unavoidable realities,
yet they remain subjects many of us hesitate to discuss.
This reluctance often extends to inheritance, a topic that
many families find uncomfortable. The consequence of
this silence is significant, as an increasing number of
estates are affected by Inheritance Tax (IHT), and disputes
over Wills are becoming more common in UK courts.
Learning how to discuss succession planning is no longer
just wise; it is essential. Turn to page 11.

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PENSIONS TO FALL UNDER
INHERITANCE TAX RULES FROM
APRIL 2027
How upcoming changes could affect
estate valuations and beneficiary payouts

VAT ON PRIVATE SCHOOL FEES: THE
INCREASING COST OF EDUCATION
How new tax rules are reshaping family
finances and long-term planning

FIVE WAYS TO MAXIMISE
TAX YEAR-END PLANNING
OPPORTUNITIES 2025/26
Smart financial moves to consider before
the tax year ends on 5 April 2026

WHEN IS THE RIGHT
TIME TO INVEST?
Why market timing rarely works—and
why long‑term consistency matters

And much more!