Tax planning for the new tax year

This article is for senior professionals, executives and business owners who receive employee shares as part of their remuneration and want to understand how to manage vested shares, concentration risk and long-term wealth planning.

There is a particular kind of pressure that comes with a vesting date. You have worked hard for it, watched the share price and followed the timetable. Then the shares arrive, and the decision suddenly feels larger than it did when the award was first granted.

You've built a business through years of commitment, careful decisions and personal sacrifice. As the horizon shifts, whether retirement feels five years away or closer than that, a different question starts to matter more: is your personal wealth as prepared as your business?

How April 2027 pension tax changes reshape IHT planning and why legal and financial advice must work together for clients.

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.

A practical summary of some of the “business owner relevant” allowances and exemptions that reset at tax year end - plus the known changes from 6 April 2026 that may affect decisions now.

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.

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.

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.

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.

The UK tax system continues to evolve, and many people are feeling the impact. In our recent webinar, Myron Jobson spoke with Olly Cheng about the key changes shaping personal finances today, and how early, thoughtful planning can help you stay in control.

For many members of Generation Z, life is moving quickly. You may be starting your career, navigating rising living costs, or saving for your first major milestones. These are big moments, and they all rely on the same foundation: healthy financial habits.

Make the most of your allowances with our simple, step by step checklist.

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?

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?

Many UK investors reach a point where their Individual Savings Allowance (ISA) and pension allowances no longer offer enough room for long-term planning. When that happens, if you’ve already opened a general investment account (GIA), an offshore investment bond can be a helpful next step. It offers a tax‑efficient structure, flexibility around how and when gains become taxable, and options that can support family wealth and estate planning.