by johnireland | Estate Planning Essentials
The Problem Most wills are written when children are young. But children grow up — they marry, divorce, start businesses, accumulate debts, and have children of their own. An estate plan that was right ten years ago may no longer protect them today. Key Risks to...
by johnireland | Articles
The Plan You Wrote Then May Not Protect Them Now When most parents write their first will, their children are young. The provisions are straightforward: everything goes to the surviving spouse, and if both parents die, the children inherit equally. Guardians are...
by johnireland | Tax Talk
What Has Changed Between October 2024 and April 2026, CGT rates for business owners have risen sharply. Business Asset Disposal Relief (BADR) now charges 18% on the first £1 million of qualifying gains (up from 10%). The standard rate is 24% (up from 20%)....
by johnireland | Articles
A Tax Increase That Arrived in Stages Capital Gains Tax for business owners has undergone its most significant overhaul in over a decade. The changes did not arrive all at once — they were phased in across three fiscal events between October 2024 and April 2026 — but...
by johnireland | The Book Shelf
The Core Idea You do not rise to the level of your goals — you fall to the level of your systems. That is the central argument of James Clear’s Atomic Habits, and it applies as much to financial planning as it does to fitness or productivity. The Four Laws...
