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Leaving a decent inheritance for your loved ones can be life changing. But navigating inheritance tax rules and estate planning is often tricky. Here are five inheritance tax traps to avoid, so you can leave more of your wealth to your family.

How to avoid inheritance tax traps Leaving a decent inheritance for your loved ones can be life changing. But navigating inheritance tax rules and estate planning is often tricky. Here are five inheritance tax traps to avoid, so you can leave more of your wealth to your family.

Top tax tips for the year ahead

Your tax checklist for the year ahead Changes to tax regulations can have a domino effect on your finances, including your tax bill. As we enter 2026, it’s time to triple check that you’re aware of how any changes may affect you. This tax checklist gives you top tax tips for the year ahead.

CIO Investment Insights: New year nerves: getting comfortable with corrections

CIO Investment Insights: New year nerves: getting comfortable with corrections Dry January always feels like a cruel joke to me, especially because my birthday falls on 2 January. Everyone’s on a health kick, gyms are packed, and I’m the guy asking if anyone wants cake. While everyone else is detoxing from December’s indulgence, I’m trying to celebrate in a month that....

In the Autumn Budget 2025, the Chancellor announced changes to the cash ISA allowance from April 2027 and salary sacrifice pension contributions from April 2029.

However, ISAs and pensions remain some of the most tax efficient ways to save in both the long and short term. Pension contributions can lower your tax bills, and both pensions and ISAs will help protect your savings from tax each year.

We can help you decide how best to use pensions and ISAs for maximum tax efficiency and flexibility.

Thanks to a combination of frozen tax thresholds, above average inflation and higher interest rates and changes announced in the recent Budget, many people may face higher tax bills this year. Here, we look at how you can use your pension and ISA allowances to make a big difference at tax year end.

Making your pension and ISA allowances work for you Thanks to a combination of frozen tax thresholds, above average inflation and higher interest rates and changes announced in the recent Budget, many people may face higher tax bills this year. Here, we look at how you can use your pension and ISA allowances to make a big difference at tax year end.

How you can beat the 60% tax trap

If your total income is between £100,000 and £125,140, the tapering of the personal allowance means you could end up paying 60% income tax.

Almost 725,000 workers will fall into the 60% tax trap in 2025-26, according to HMRC, up from about 300,000 in 2017-2018.1

Making pension contributions is one of the best ways to avoid the trap and help you enjoy more of your money.

How you can beat the 60% tax trap How you can beat the 60% tax trap Description

With Tax year end fast approaching, we look at how a thoughtful plan can unlock significant financial benefits. We explain how making a tax plan can boost your income, preserve your wealth and prepare for the future.

https://www.fortispw.co.uk/article/detail/sjpp/the-power-of-having-a-tax-plan-in-place.html

Fortis Private Wealth are delighted to be a Supporting Partner of The Effective Communications Summit on 19th September.

Looking forward to a great day of networking, learning and growing with All About: Soft Skills

Thinking about gifting money as part of your Inheritance Tax planning? If you haven’t heard about the seven year rule, these are the essentials you should know: https://www.fortispw.co.uk/insights

A fulfilling retirement doesn’t just happen - it’s built with careful planning and expert advice.

Whether you dream of traveling the world, diving into personal passions, or simply embracing financial freedom 💰, your retirement should be defined by YOU.

The key? A well-thought-out plan with the right guidance to make it a reality. Let’s start shaping your future 🚀

Talk to us today www.fortispw.co.uk

Fortis Private Wealth Limited 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 15/4/2025

Your tax checklist for the year ahead

The economic outlook is brighter, but it’s still vital to ensure you’re using all the allowances and exemptions you’re entitled to.

Recently announced changes to Inheritance Tax, Capital Gains Tax rates and National Insurance for employers may affect your tax liability – and planning.

A financial adviser can help you take action to tax-proof your finances over the coming months.

Your tax checklist for the year ahead 2024 saw the new Labour government announce a raft of changes to many key taxes, including rises in Capital Gains Tax and Employer NI contributions – and sweeping changes to Inheritance Tax regulations.

Eid Mubarak to our followers, clients, contacts, friends and family

Protect your loved ones with tax-efficient planning

Nobody can predict your future, but that doesn’t mean you can’t prepare for it. Protecting your family and your assets brings reassurance that, whatever happens, everything you care about is properly safeguarded.

- Protecting your family is often low on a busy to-do list, yet it’s a fundamental part of any family’s financial plan – and financial resilience.

- Financial protection such as insurance cover helps ensure that you and your family will be able to pay bills, maintain your lifestyle and safeguard your savings, should anything happen.

- A financial adviser can help you pick the right level of protection for you, both now and in the future.

We insure our tangible assets – cars, the contents of our homes, even our our pets – almost as a matter of course. But protecting yourself, your standard of living and your health can be far more valuable than protecting your material possessions.

Protect your loved ones with tax-efficient planning Nobody can predict your future, but that doesn’t mean you can’t prepare for it. Protecting your family and your assets brings reassurance that, whatever happens, everything you care about is properly safeguarded.