Rethinking the Triple Lock: What It Means for Retirees and Individuals Approaching Retirement

State pension policy is back under scrutiny and the future of the triple lock mechanism is looking increasingly uncertain.   Introduced in 2011/12, the triple lock guarantees that annual State pension increases match the highest of:  CPI inflation (September measure)  Average … Continue reading

Company Cars: A Tax-Efficient Comeback, Now Electric

New data from HMRC reveals a resurgence in company car ownership driven not by nostalgia, but by strategic tax incentives and the rise of electric vehicles. For business owners and senior executives exploring tax-efficient remuneration, this trend offers both opportunity … Continue reading

Risk and reward – A New Investment Narrative from the Government

In a notable shift, the UK government is reframing its stance on investment risk, moving away from caution and towards opportunity. At the heart of this change is Chancellor Rachel Reeves, who recently used her Mansion House speech to call … Continue reading

Another Parliament, another Pension Schemes Bill

A new pensions bill has been introduced, which could affect your existing pensions. Pension legislation is almost a staple of parliamentary business. If it is not the Chancellor tweaking the tax rules, it is the Department for Work and Pensions … Continue reading

A strangely timed report on attitudes to salary sacrifice

In late May, HMRC published a report – based on data collected in summer 2023 and dated January 2024 – that had been held back for months. Why the delay? HMRC are not renowned for prompt action, except for issuing … Continue reading