Future Planning

Could the upcoming ISA changes affect how you save and invest?

From April 2027, the overall adult ISA allowance is expected to remain at £20,000, but under-65s will only be able to place up to £12,000 into a Cash ISA.

There will also be a new 22% tax on interest earned on cash held within non-cash ISAs, such as Stocks and Shares ISAs.

Read our latest blog, linked below, to learn about 2 upcoming ISA changes you should be aware of.

https://futureplanningwm.co.uk/2-upcoming-isa-changes-you-should-be-aware-of/

The pension and Inheritance Tax rules are changing, and your estate plan may need to change with them. 💰

From 6 April 2027, most pensions are expected to be included in your estate when calculating Inheritance Tax.

Our new guide explains:

🔹 What is changing from 6 April 2027
🔹 Which pensions may be affected
🔹 How the reforms could alter your retirement plan
🔹 Ways you might reduce a potential Inheritance Tax bill

Download your copy, linked below, to find out more. 👇

https://futureplanningwm.co.uk/wp-content/uploads/2026/07/future-planning-iht-and-pensions-ezine-vis1-1.pdf

Buy-to-let property may seem like an attractive asset to invest in.

However, there are a lot of important areas to consider, from how it could affect your tax liability to your responsibility as a landlord.

Read our latest guide, linked below, to discover the important questions you need to answer before you purchase a buy-to-let property.

https://futureplanningwm.co.uk/resources/guides/

5 fantastic reasons to make volunteering part of your retirement plan:

1. Expand your social circle
2. Restore a sense of purpose
3. Build a new routine
4. Continue developing skills and knowledge
5. Pass on your expertise

Read our blog, linked below, to learn more.

https://futureplanningwm.co.uk/5-fantastic-reasons-to-make-volunteering-part-of-your-retirement-plan/

5 tips that could help you sell your home:

1. Price your home realistically
2. Use your online listing to create a great first impression
3. Present your home at its best
4. Prepare your paperwork early
5. Choose the right professionals to work with

Read our blog, linked below, to find out more.

https://futureplanningwm.co.uk/5-tips-that-could-help-you-sell-your-home/

Could the new pension rules affect what you leave behind for your loved ones? 🤔

From April 2027, most defined contribution pensions and some pension death benefits are expected to form part of your estate for Inheritance Tax purposes.

This could push your estate closer to the Inheritance Tax thresholds, or above them altogether.

Download our guide, linked below, to understand how the new rules could affect you and your loved ones. 👇

https://futureplanningwm.co.uk/wp-content/uploads/2026/07/future-planning-iht-and-pensions-ezine-vis1-1.pdf

4 practical reasons to regularly contribute to your child's pension:

1. You could support their future
2. Your additional contribution could grow
3. Your contributions will usually benefit from tax relief
4. Your contributions could be efficient for Inheritance Tax

Read our latest blog, linked below, to learn more.

https://futureplanningwm.co.uk/4-practical-reasons-to-regularly-contribute-to-your-childs-pension/

How many financial goals do you want to achieve?

A common challenge people face is balancing your competing goals and understanding how to use your assets to work towards them.

Luckily, a financial plan can help. Read our blog, linked below, to discover how we can help you juggle different priorities.

https://futureplanningwm.co.uk/balancing-your-goals-how-a-financial-plan-could-help-you-juggle-different-priorities/

Are you thinking about investing in a buy-to-let property?

Statistics published by the government confirm that there were around 2.86 million private landlords in the UK in 2023/24.

If you're thinking about joining them, it's first important to weigh up the pros and cons to decide whether it would be the right option for you. Click the link below to read our latest guide.

https://futureplanningwm.co.uk/resources/guides/

Your pension may soon count towards your Inheritance Tax bill. 🪙

From 6 April 2027, most pensions will be included in your estate when calculating Inheritance Tax.

For some families, this could mean a larger tax bill than expected, especially where pensions have been used as a tax-efficient way to pass on wealth.

Download our guide, linked below, to learn what's changing and what you may need to consider. 👇

https://futureplanningwm.co.uk/wp-content/uploads/2026/07/future-planning-iht-and-pensions-ezine-vis1-1.pdf