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Most families do not start a guide to long term care planning until a fall, a diagnosis or a sudden hospital stay forces the conversation. By that point, choices are narrower, emotions are higher and the pressure to make quick decisions can lead to expensive mistakes....
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%). Investors'...
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...
If you are weighing up bare trust vs discretionary trust, you are already asking the right question. The trust itself is not the goal. The goal is protecting the right assets, for the right people, at the right time, without creating avoidable risk, tax problems or...
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 Applied to...
The Book in Brief Atomic Habits, published in 2018 by James Clear, has become one of the most widely read books on behaviour change in the past decade. Its central argument is deceptively simple: you do not rise to the level of your goals; you fall to the level of...
The Real Reason You Keep Postponing Writing a will, reviewing a pension, updating an LPA — these are not complicated tasks, but they are the ones most likely to be put off indefinitely. The reason is usually not complexity or cost. It is decision fatigue: the...
The Decisions You Make When You Are Tired Are Not the Decisions You Would Make When You Are Rested There is a well-documented pattern in behavioural psychology that has direct relevance to anyone managing their finances, running a business, or planning their estate....
Most families do not lose wealth in one dramatic event. It usually slips away through avoidable tax, poorly drafted documents, care fee exposure, business disruption, and disputes after death. The best ways to preserve family wealth are rarely flashy. They are...
Learning how to protect your assets can feel like an overwhelming topic. Our FREE Estate Planning Guide will help you to understand the process and how to get started.