From April, the residence nil rate band comes into being.   It was nearly two years ago that the Conservatives’ manifesto for the 2015 election promised to “take the family home out of tax by increasing the effective Inheritance Tax … Continue reading →

The Autumn Statement revealed plans for another annual allowance cut. When pensions flexibility was announced in March 2014, it did not take long for tax planners to realise that it offered an interesting opportunity to “pay” the over-55s. The idea … Continue reading →

It looks likely that the deposit protection limit will rise at the end of January.   At the start of 2016, the maximum amount of a bank or building society deposit covered by the Financial Services Compensation Scheme (FSCS) was … Continue reading →

What are the investment consequences of the surprise US election result? The arrival of Donald Trump marks a change of direction for the US government from the near status quo that Hillary Clinton was offering. Quite what the new direction … Continue reading →

The government has published an independent review on the state pension system. There was a time when it was all so simple: men drew their state pension from age 65 and women from age 60. That all started to change … Continue reading →