by johnireland | Articles
The Conversation That Nobody Wants to Have There is a particular category of conversation that most families avoid. It concerns money, inheritance, care in old age, what happens after death, and who gets what. These conversations are emotionally loaded, potentially...
by johnireland | Business Builder
What Changed From November 2025, EOT CGT relief was cut from 100% to 50%. The effective tax rate on a qualifying EOT sale is now approximately 12% — still lower than BADR (18%) or a standard disposal (24%), but significantly higher than the previous 0%. The Tax Saving...
by johnireland | Articles
What Changed in November 2025 Employee Ownership Trusts (EOTs) have been one of the fastest-growing exit routes for UK business owners since their introduction in 2014. Inspired by the John Lewis Partnership model, EOTs allow owners to sell their company to a trust...
by johnireland | Legal Spotlight
The Two Ways to Own Property Jointly Joint tenants: Both owners hold the entire property together. When one dies, the other automatically becomes sole owner — regardless of what the will says. Simple, but inflexible. Tenants in common: Each owner holds a distinct...
by johnireland | Articles
The Question Most Homeowners Never Ask If you own a property with someone else — a spouse, partner, family member, or business associate — there is a legal question sitting underneath your ownership that most people never think about. It is not whether you own the...
