Compton Financial Services

Navigating Dividend Tax Rises In 2026: How To Safeguard Your Investment Income
From 6 April 2026, the government navigating dividend tax and increased it by 2 percentage points. The ordinary rate rose to 10.75%, and the upper rate to 35.75%, while the additional rate remains at 39.35%. However, you don’t pay tax on dividend income within your personal allowance (£12,570 for 2026/27) or your annual dividend allowance of £500.

To reduce dividend tax, maximising your ISA allowance is key. Dividends on investments held in an ISA are entirely tax-free. For the 2026/27 tax year, you can invest up to £20,000 in ISAs. This use-it-orlose-it allowance cannot be carried forward, so systematically moving taxable investments into an ISA can shield a significant portion of your portfolio from tax increases.

Exploring Pension Benefits And Long-Term Saving

Dividends received by pension funds are also tax-free, making pensions another effective way to protect your wealth.

Navigating Dividend Tax Rises In 2026: How To Safeguard Your Investment Income Navigating dividend tax is in process, rates rose from 6 April 2026. Find how to use ISAs pensions and investment strategies to protect investment.

Making The Most Of The New Tax Year: Give Your ISA Investments A Head Start
The new tax year brings a fresh £20,000 Individual Savings Account (ISA) investments / allowance for each individual, giving couples the potential to invest up to £40,000 between them, offering a valuable opportunity to shield your ISA investments from capital gains and dividend taxes. With recent cuts to these tax allowances and increases to tax rates, the protection ISAs offer is more generous than ever.

Starting early in the tax year gives your investments a head start. By contributing at the beginning, your money has an extra 12 months to benefit from compounding, in which returns generate additional returns over time. Even modest early contributions can outperform lastminute deposits, as unused ISA allowances cannot be carried forward to future tax years.

Stay Focused During Uncertain Markets:

Economic news, market volatility and global events can create uncertainty, tempting investors to delay.

Making The Most Of The New Tax Year: Give Your ISA Investments A Head Start A new tax year means a fresh £20,000 ISA investments. Find out how to give investments a head start, maximise compounding, future-proof finances.

Sky News Feature: Is overpaying your mortgage actually the best move? 🤔.

Martin Rayner recently joined the Sky News Money blog to pull back the curtain on what it’s really like to work as a Chartered Financial Adviser and share some of his most requested advice.

If you’ve ever felt like your financial life is a bit "scattered"—with pension pots at different companies or uncertainty about how much risk you should really be taking—this feature is a must-read.

Key Highlights:
✅ The "Never Saw It" Rule: The smallest money habit with the biggest impact.
✅ Lifestyle Inflation: How to avoid the trap that catches many high-earners.
✅ Pension Clarity: Why consolidation is the key to knowing exactly where you stand for retirement.
✅ Risk Management: Why the goal isn't to find "the next Apple," but to ensure you can retire exactly when you want to.

Financial planning isn't just about numbers; it's about matching your money to the life you want to lead.

👇 Catch the full interview and tips below:
https://news.sky.com/story/the-never-saw-it-rule-and-why-many-people-shouldnt-overpay-mortgage-tips-from-a-financial-adviser-13537041

The Never Saw It Rule and Why Many People Shouldn't Overpay Their Mortgages Chartered financial adviser Martin Rayner shares his best money tips from never saw it rule why overpaying mortgage may not be smartest move

Tax-Free Gifts to Children and Grandchildren: IHT Guide

Tax-free gifts to children is a best way of passing wealth to the next generation, it is a primary concern for many families, yet the complexities of Inheritance Tax (IHT) often cause unnecessary anxiety. With the headline rate of IHT set at 40%, careful planning is essential to ensure your children benefit as much as possible from your estate.

Fortunately, there are several tax-efficient strategies available that, when used properly, can help you make significant lifetime tax-free gifts to children.

Using Allowances And Exemptions Wisely

One of the easiest ways to give tax-free gifts to children or grandchildren is the annual exemption. The annual exemption lets you gift up to £3,000 each tax year without incurring IHT. If you haven’t used the previous year’s allowance, you can carry it forward, potentially doubling the amount to £6,000, or even £12,000 for couples. These sums can add up to a substantial nest egg for children over the years.

Tax-Free Gifts to Children and Grandchildren: IHT Guide Learn to make inheritance tax-free gifts to children and grandchildren using annual exemptions, seven-year rule, regular gifting from surplus income

"Martin and team helped us get a mortgage on our house. He was quick and responsive via email and WhatsApp, keeping us up to date with statuses. Having calls to work us through the options and answer any questions we had. We would recommend him to anyone that is looking and would use again." says Antony on Google

Compton Financial Services | Wimbledon, LND ★★★★★ Martin and team helped us get a mortgage on our house. He was quick and responsive via email and WhatsApp, keeping us up to date with statuses. Having calls to work us through the options and answer any questions we had. We would recommend him to anyone that is looking and would use ...

Do you?

Over a third of first-time buyers rely on advice from family rather than brokers Over a third (39 per cent) of younger first time buyers are primarily relying on advice from friends and family rather than a broker for support on the homebuying process, research from Coventry for intermediaries has revealed.

What are the council tax rules for second homes?

What are the council tax rules for second homes? If you own a second home or holiday home or are thinking of buying, what are the council tax implications?

Best Life Insurance For Parents

Best Life Insurance For Parents Best Life Insurance For Parents

If you’re a first-time buyer, it could be difficult to know where to start or even the questions you need to ask.

Here are some key questions we recommend asking:

�Are there any issues with the property that could affect your mortgage application?�

How long has the property been on the market?�Which survey is right for you?

�To learn more about the process, contact our friendly experts today, for a no-obligation appointment here:

https://calendly.com/d/4ng-vf9-7jk

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Compton Financial Services is an appointed representative of New Leaf Distribution Ltd. who are authorised and regulated by the Financial Conduct Authority. Number 460421.

"I've used Martin's service twice now and I'm so pleased with the level of service and professionalism that he and Alex provide. It's so easy to get in contact with both of them, I never need to chase for an update, they've got a very easy platform where I can send in documents and statements, they research very well for the best mortgage products for me and I feel they have my best interests at heart. Honestly, one.." says Caroline on Google

Compton Financial Services | Wimbledon, LND ★★★★★ I've used Martin's service twice now and I'm so pleased with the level of service and professionalism that he and Alex provide. It's so easy to get in contact with both of them, I never need to chase for an update, they've got a very easy platform where I can send in documents and st...