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Tax Plus Blog

Lisa Spearman provides an update on IHT and Office of Tax Simplification second report

With everything that is going on at present it is very difficult to be precise about what tax changes we might expect and when. The second report of the Office of Tax Simplification (OTS) looking at the future of Inheritance Tax has just been published, suggesting that those changes may not be too far distant. We will need to see where the new...


Date: 26th July, 2019
Author: Lisa Spearman

Retirement - what are the considerations?

In my role as a financial planner I meet clients with all different sets of circumstances and plan for when and how they intend to retire. However, when it comes to those who are running a business, two particular scenarios are often prevalent. These are: They are too busy running the business to give their retirement adequate consideration...


Date: 17th July, 2019
Author: Michael Lapham

Main residence relief: ten tips and traps to watch when selling your main home

Capital gains tax on the sale of a home is in the news again and it is worth a quick reminder of some key points: Relief applies to “a dwelling”. Issues arise if buildings are combined or divided, such as two flats occupied as one or a house subdivided. The type and location of outbuildings can be significant. The land associated...


Date: 12th June, 2019
Author: Lisa Spearman

Changes to Main Residence Relief from Capital Gains Tax

What is main residence relief? Principal Private Residence Relief, or (PPR) is a relief that enables taxpayers to sell their homes without having to pay Capital Gains Tax. In order to claim the relief the property being sold must be the tax payer’s main residence. What are the recent changes? It seems a while ago now but HMRC had indicated...


Date: 10th April, 2019
Author: Lisa Spearman

End of year checklist for 2018/19 tax year

We thought it would be useful for our clients to compile an end of year checklist as an aide-memoire. This is not intended to be exhaustive but to jog your memory of the key planning areas which are still achievable before 5 April. We are always here to help and, as a general plea, please get in touch with us if there are any aspects on which you...


Date: 27th March, 2019
Author: Mercer & Hole Media

Employers’ newsletter - The changes to pension limits and allowances

Auto enrolment The second of the planned increments to minimum contribution levels under auto enrolment comes into force as of 6 April 2019. At that time the minimums will increase from 5% to 8%, at least 3% of which has to be paid by the employer. This means that many employers’ pension contribution costs will increase by 50%, from 2% to...


Date: 27th March, 2019
Author: Michael Lapham

How grandparents can best plan to fund independent school fees

Buy into basic planning Take advantage of your own ISA allowance and start saving early in order to build up a good pot of money, in a wrapper that is free from income and capital gains taxes, by the time your grandchild is ready to start prep school. Within the current ISA framework, two grandparents can inject £200,000 within five years -...


Date: 28th January, 2019
Author: Alison Palmer

Pensions: More than just a tax-efficient way to save for retirement?

UK registered pensions and the assets held within them offer tax efficiencies. So, for those with relatively significant assets outside of pensions, it is worth considering whether they are the best arrangements to draw retirement income from. Succession planning Ultimately pensions are a tax-efficient structure capable of holding various...


Date: 28th January, 2019
Author: Michael Lapham

Budget 2018 - Increased personal allowance from 6 April 2019

From 6 April 2019 the personal allowance is set to increase from £11,850 to £12,500 and with this comes an increase in the threshold at which an individuals’ income and capital gains are subject to higher rate tax too. Currently the threshold for higher rate tax is £34,500 and this will be increased to £37,500...


Date: 1st November, 2018
Author: Michael Lapham

Budget 2018 - Selling your home?

The Chancellor has once again used the Budget to make the ownership of second homes less tax friendly; this time with a number of changes to the capital gains tax reliefs available when selling a property which has at any time been your main residence. This measure will go further and impact not only those with buy-to-let properties but anyone who...


Date: 1st November, 2018
Author: Courtney Halifax

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