If you remember the Health and Social Care Levy being announced with a lot of fanfare in 2021… you’re not imagining it. However, the key update is simple: there is no Health and Social Care Levy in place today. It was introduced briefly via higher National Insurance in 2022/23 and then cancelled and repealed before it ever
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Most people don’t actually want to “retire” in one dramatic moment. They want to step down: fewer days, less pressure, more life… while still keeping the future safe. The problem is that a phased retirement can go one of two ways: Designed (calm, controlled, tax-efficient, flexible), or Drifted into (random withdrawals, surprise tax bills, and
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Picture this: you get a WhatsApp from your son. Or a call from your “bank”. Or a voice note from your partner. It sounds right. It uses the right words. And it’s urgent. That’s the big change in 2026. AI hasn’t made scams “genius”, it’s just made them more believable and more frequent. This isn’t
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For years, families have used Business Property Relief (BPR) and Agricultural Property Relief (APR) to pass on trading businesses and farms without a large Inheritance Tax (IHT) bill. From 6 April 2026, those reliefs change in a way that will matter a lot if you have a valuable business, a farm, or you’ve been relying
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