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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...
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...
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...
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...
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...
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...
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.