INSIDE THIS ISSUE

Welcome to our first issue of the new year. Have
you set your New Year’s financial resolutions? The
key is to make them specific and measurable. To
help you get started, we have suggested some
financial resolutions for 2026 to consider, all of
which are realistic, achievable and easy to track.
Life is rarely static. In a climate of economic
change, keeping your financial plan relevant is
more important than ever. If you’ve experienced
a significant life event, such as inheriting money,
selling a business or separating from a partner, on
page 06, we discuss why it’s vital to consider how it
can impact your finances. A plan that was suitable
last year might no longer fit your current situation.
An Individual Savings Account (ISA) enables you
to save or invest money in a tax-efficient manner.
It serves as a protective wrapper for your savings
and investments, shielding them from tax. The
ISA allowance resets each year and must be used
within that year; it cannot be carried over. Have you
maximised your ISA contribution allowance in this
tax year? Turn to page 03.
Passing wealth to the next generation remains
a common goal for many individuals. However,
navigating the complexities can be daunting, leaving
some uncertain about how to transfer their wealth
in the most tax-efficient way. With tax thresholds
currently frozen and potential future changes on the
horizon, on page 10, we explore why more people
are understandably concerned about their financial
future and are seeking professional advice to protect
their legacy.
As the 2025/26 tax year ends on 5 April, now is an
ideal time to review your pension arrangements and
ensure you’re maximising all available allowances.
Taking proactive steps in pension planning now can help
you secure valuable tax relief, enhance your retirement
fund and prepare for the future. Acting before the
deadline allows you to fully utilise the rules before the
new tax year begins, helping you avoid missing out on
potential benefits. Read the article on page 04.