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Family Investment Companies: how they can support long-term tax-efficient planning

Last Updated: March 10, 2026

Family Investment Companies (FICs) have become an increasingly popular option for ultra-high net worth families who want a structured, flexible way to pass on wealth while keeping control over how it’s managed. As more people look for long-term, tax‑efficient ways to plan for the future, FICs offer an approach that sits between personal investing and traditional trusts. But what exactly are they, and who might they be right for?

  • Tax Planning
  • Tax
  • Financial Planning
Articles

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

Last Updated: March 10, 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

How government bonds can support long-term, tax‑efficient financial planning

Last Updated: March 10, 2026

Government bonds have been getting more attention lately, and with good reason. For many people, they may hold an underappreciated role in building long‑term, tax‑efficient wealth. Yet they’re often overlooked in favour of equities, cash, or the latest investment trend. So, could they really form a quiet cornerstone of thoughtful financial planning?

  • Tax Planning
  • Tax
  • Financial Planning
  • Bonds
  • Government Bonds
Articles

UK business owners are moving abroad – what this means for long‑term tax and financial planning

Last Updated: March 10, 2026

More entrepreneurs are choosing to live and work across borders. New analysis commissioned by Rathbones shows that almost 6,000 high‑growth business owners left the UK between January 2024 and January 2026. It’s a striking change, and one that reflects how global and mobile modern business owners have become.

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

What’s more tax-efficient: paying your bonus into your pension or overpaying your mortgage?

Last Updated: March 10, 2026

As bonus season approaches, many people start thinking about the best way to put that extra income to work. A common question is whether it’s better to use a bonus to reduce a mortgage or to boost a pension. With interest rates having eased from recent highs, and with long‑term planning front-of-mind for many households, it’s a timely moment to revisit the trade‑offs.

  • Tax Planning
  • Tax
  • Financial Planning
Articles

Tax-efficient planning explained: Making the most of every pound

Last Updated: March 10, 2026

The UK tax landscape is shifting once again, and many people are reassessing what it means for their financial plans. In our recent webinar, Personal Finance Senior Manager Myron Jobson, and Financial Planning Divisional Lead Olly Cheng, explored the changes that could affect your personal finances and why thoughtful, early planning can make a meaningful difference.

  • Tax Planning
  • Tax
  • Financial Planning
  • Edinburgh Business Stories