For most individuals who depend on their pension savings to sustain their retirement lifestyle, the newly introduced IHT charge on...

It might seem an obvious thing to say, but a discretionary trust allows the trustees to use their discretion when paying income or...

Key thoughts: Becoming debt free Having a cash reserve Being able to live comfortably on unearned income Being organised and feeling...

Key thoughts: Making gifts to my family members in a tax efficient manner Avoiding possible difficulties of divorce and/or financial...