Angela Millar Wealth Management Ltd

If your income if over £100,000 the rate of Income Tax you pay will be impacted by the gradual removal of the £12,570 personal allowance. Here are three things to consider.

The Capital Gains tax free allowance for 2024/25 is £3,000. How can you make use of your personal allowance before it is reduced?

You may be wondering whether it is better to save into an ISA or a pension for retirement. The main difference is tax relief and when funds can be drawn. So, how do they compare?

The government has frozen Inheritance Tax thresholds until 5 April 2030. This is often described as a 'stealth tax' by the government.

ISAs have proved one of the most popular ways to save since they were introduced in 1999. If you had used your full ISA allowance, you would have put away over £350,000!



The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

An investment in a Stocks & Shares ISA will not provide the security of capital associated with a Cash ISA.

The favourable tax treatment of ISAs may be subject to changes in legislation in the future.
SJP approved 13/1/2025

Getting smarter with your money – how you save it, where you invest it and how it can work for you – gives you greater confidence and control, whatever age you are. Here’s 5 top tips to help: https://partnership.sjp.co.uk/article/detail/sjpp/five-top-tax-saving-tips-for-2025.html

Ever felt flummoxed by the amount of jargon around financial planning? Here are the top seven tax-related terms you need to know – in plain English.

https://partnership.sjp.co.uk/article/detail/sjpp/getting-your-head-around-tax-jargon-the-top-seven-terms-explained.html

🗓 As we approach the end of the tax year, a friendly reminder to seize the opportunity and optimize your ISA allowances for maximum tax benefits! 💼If you haven't done so already, now is the perfect time to make sure you're making the most of your ISA allowances. 📈

Let's work together to ensure your financial goals align with smart, tax-efficient decisions. 🚀Don't miss out on potential savings—let's make this tax year end with a strategic financial win and contact me today! 💰

The value of your investment can go down as well as up. You could get back less than you invested.

Taxation rules can change at any time and are dependent on individual circumstances.



Angela Millar Wealth Management is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) The St. James's Place Partnership' and the titles `Partner' and `Partner Practice' are marketing terms used to describe St. James's Place representatives.
SJP Approved 16/11/2023 / 05/04/2024