Month: September 2025

Government considers Inheritance Tax reforms

Tightening gift-giving regulations is among the measures being considered

The UK Treasury is seeking further new ways to reduce the growing deficit ahead of the much-anticipated Autumn Budget. With a financial shortfall exceeding £40 billion, reports suggest that officials, under the guidance of Chancellor Rachel Reeves, are exploring potential changes to Inheritance Tax (IHT) rules. Tightening gifting regulations is just one of the measures being considered to increase revenue and stabilise the country’s finances.
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Why protection matters

Do you have a safety net for you and your loved ones in case the unforeseen happens?

Most people prefer not to consider unexpected misfortune when thinking about the future. However, being prepared for life’s uncertainties is essential to protect your family’s way of life. Financial security provides a safety net for your loved ones if you face illness, injury or an untimely death. But understanding the right cover to meet your needs can be complicated and daunting.
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Why remaining invested supports long-term growth

Unlocking the potential of your investments and securing your financial future

When it comes to growing your finances, few decisions are as crucial to long-term success as remaining invested. The temptation to move to cash during volatile periods can be strong, but financial history and market principles often favour those who keep their positions. Staying invested isn’t just about patience; it’s about unlocking the potential of your investments, capitalising on market trends and safeguarding your financial future.
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Why has a lifetime gifting cap raised concerns?

Proposed policy would fundamentally change how wealth is transferred across generations

Concerns are growing about the possible introduction of a lifetime gifting cap by the government. This could significantly alter how wealth is passed down through generations, impacting not only large estates but also everyday family financial support. By bringing more gifts into the scope of Inheritance Tax (IHT), the proposed changes could complicate life for families who depend on regular financial assistance from loved ones.
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