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Financial planning for business owners: key strategies to review in 2026

Last Updated: April 8, 2026

Business owners across the UK are navigating rising costs, shifting tax rules, and ongoing economic uncertainty. Against this backdrop, one theme consistently emerges: the need for clarity. Many people are seeking guidance on the financial decisions that matter most right now, and the practical steps that can help protect and grow their personal wealth while they manage a successful business.

  • Tax Planning
  • Financial Planning
  • Business Owner
  • Business Owners
  • Entrepreneurs
  • Entrepreneurs Insights
  • Edinburgh Business Stories
Articles

Tax‑efficient saving and investing: Your guide for the 2026/27 tax year

Last Updated: April 8, 2026

A new tax year means new tax allowances. Maximising your annual allowances at the start of the tax year – rather than at the end – can give your savings and investments more time to grow. Each pound you save in tax is a pound you can allocate to your savings and investments, which can in turn compound to build your wealth.

  • Tax Planning
  • Tax
  • Financial Planning
  • Edinburgh Business Stories
Our People

Alison Maillardet-O'Neill

Last Updated: April 7, 2026

Alison is a Chartered Fellow of the Chartered Institute for Securities & Investment (CISI) with over 20 years of experience in wealth management. As a Senior Investment Director at Rathbones, she specialises in creating and managing bespoke investment portfolios for individuals, families, trusts (including personal injury trusts), pension funds, and charities. Known for her thoughtful and down-to-earth approach, Alison works closely with clients and professional advisers to ensure financial goals are met with care and precision.

Articles

Taking tax-free cash from your pension in a changing tax landscape

Last Updated: April 7, 2026

For many people approaching or already in retirement, tax-free free cash from pensions has long offered a valuable source of flexibility – saving tax today that can help compound your wealth in the future. From April 2027, most pension funds will be liable for inheritance tax, making it all the more important to think carefully about the timing and structure of withdrawals.

  • Tax Planning
  • Tax
  • Financial Planning
Articles

Business Property Relief and AIM: the latest changes and what they mean for inheritance tax planning

Last Updated: April 10, 2026

Business Property Relief (BPR) can play an important role in inheritance tax (IHT) planning, particularly for business owners and investors in UK growth companies. It can reduce the value of certain business assets for IHT purposes, helping more of an estate pass to the next generation.

  • Tax Planning
  • Tax
  • Financial Planning
  • BPR
  • APR
  • AIM
  • Inheritance Tax Planning
  • Business Owner
  • Business Owners
  • Entrepreneurs
  • Entrepreneurs Insights
Our People

Jack McCready

Last Updated: April 9, 2026

Jack is an Associate Investment Manager at Rathbones, having joined the firm in 2023.
He supports Investment Managers and Investment Directors in the construction and ongoing management of discretionary portfolios for private clients, trusts and charities, helping to ensure portfolios align with clients’ objectives and risk profiles. In his role, Jack is involved in portfolio implementation, performance monitoring and rebalancing, as well as supporting tax‑efficient planning and day‑to‑day client servicing.