https://aetas-wealth.com/insights Financial planning, pensions, investments and inheritance tax insight from Aetas Wealth. en-GB Fri, 31 Jul 2026 07:17:41 GMT https://aetas-wealth.com/insights/uk-property-wealth-inheritance-tax https://aetas-wealth.com/insights/uk-property-wealth-inheritance-tax Wed, 21 Jan 2026 00:00:00 GMT Inheritance Tax Homeowners aged 62-80 hold £3.84 trillion in UK property. With frozen IHT thresholds, more families than ever are now in scope. What to know. https://aetas-wealth.com/insights/5-decisions-before-you-retire https://aetas-wealth.com/insights/5-decisions-before-you-retire Wed, 29 Jul 2026 00:00:00 GMT Pensions & Retirement Retirement is about more than a date. Five decisions worth making before you retire: knowing your costs, your income, how to take it, how much risk to run, and how tax fits in. https://aetas-wealth.com/insights/active-vs-passive-investing https://aetas-wealth.com/insights/active-vs-passive-investing Tue, 09 Jun 2026 00:00:00 GMT Investments Active vs passive investing explained for UK savers: how each works, cost differences, when each makes sense, and how most investors should combine them. https://aetas-wealth.com/insights/aim-portfolios-business-relief-iht https://aetas-wealth.com/insights/aim-portfolios-business-relief-iht Wed, 25 Feb 2026 00:00:00 GMT Inheritance Tax How AIM portfolios and Business Relief work for UK inheritance tax: qualifying companies, the 2-year holding period and Finance Act 2026. https://aetas-wealth.com/insights/bank-of-england-holds-rates-may-2026 https://aetas-wealth.com/insights/bank-of-england-holds-rates-may-2026 Mon, 11 May 2026 00:00:00 GMT Markets The Bank of England held the base rate at 3.75% on 30 April 2026. What it means for mortgages, savings and longer-term financial plans. https://aetas-wealth.com/insights/britain-retirement-savings-shortfall https://aetas-wealth.com/insights/britain-retirement-savings-shortfall Tue, 09 Jun 2026 00:00:00 GMT Pensions & Retirement Around 15 million people in the UK are under-saving for retirement. What the data shows and how to close the gap with a financial plan. https://aetas-wealth.com/insights/business-owners-pensions-estate-planning https://aetas-wealth.com/insights/business-owners-pensions-estate-planning Tue, 19 May 2026 00:00:00 GMT Business Owners Business owners face the 2027 pension changes alongside questions of business value, exit timing and the use of Business Relief. https://aetas-wealth.com/insights/buy-to-let-property-2026 https://aetas-wealth.com/insights/buy-to-let-property-2026 Thu, 04 Jun 2026 00:00:00 GMT Investments UK buy-to-let analysis 2026: how Section 24, Stamp Duty surcharges, CGT and the IHT changes affect returns for individual landlords. https://aetas-wealth.com/insights/carry-forward-pension-contributions https://aetas-wealth.com/insights/carry-forward-pension-contributions Wed, 18 Mar 2026 00:00:00 GMT Pensions & Retirement UK pension carry forward rules explained: how to use up to 3 years of unused annual allowance, eligibility, the taper and worked examples. https://aetas-wealth.com/insights/cash-isa-changes-2027 https://aetas-wealth.com/insights/cash-isa-changes-2027 Wed, 22 Apr 2026 00:00:00 GMT Investments How the April 2027 Cash ISA cut works: £12,000 allowance for under-65s, £20,000 for over-65s, the 2pp rise on savings tax, and the LISA reform plan. https://aetas-wealth.com/insights/director-pension-contributions-sme https://aetas-wealth.com/insights/director-pension-contributions-sme Wed, 14 Jan 2026 00:00:00 GMT Business Owners How UK SME owner-directors can use employer pension contributions to save corporation tax and NI. A practical planning guide. https://aetas-wealth.com/insights/divorce-and-your-financial-plan https://aetas-wealth.com/insights/divorce-and-your-financial-plan Tue, 02 Jun 2026 00:00:00 GMT Pensions & Retirement UK guide to financial planning around divorce: how pensions are split, the matrimonial home and protecting your financial position. https://aetas-wealth.com/insights/estate-planning-for-everyone https://aetas-wealth.com/insights/estate-planning-for-everyone Wed, 18 Feb 2026 00:00:00 GMT Inheritance Tax Why UK estate planning matters for everyone, not just the wealthy. Wills, intestacy, IHT, pension nominations and Lasting Power of Attorney. https://aetas-wealth.com/insights/equity-release-2026 https://aetas-wealth.com/insights/equity-release-2026 Tue, 16 Jun 2026 00:00:00 GMT Later Life UK equity release explained: lifetime mortgages vs home reversion, current rates, when it makes sense, when it doesn't, and alternatives to consider first. https://aetas-wealth.com/insights/family-wealth-transfer-2027 https://aetas-wealth.com/insights/family-wealth-transfer-2027 Wed, 04 Feb 2026 00:00:00 GMT Inheritance Tax From April 2027 pension wealth falls inside the estate for IHT. What this means for families thinking about wealth transfer. https://aetas-wealth.com/insights/finance-act-2026 https://aetas-wealth.com/insights/finance-act-2026 Fri, 22 May 2026 00:00:00 GMT Inheritance Tax A practical guide to the Finance Act 2026 inheritance tax changes: frozen nil-rate bands, Business Relief and pension IHT from 2027. https://aetas-wealth.com/insights/next-gen-investor-behaviour https://aetas-wealth.com/insights/next-gen-investor-behaviour Fri, 03 Jul 2026 00:00:00 GMT Next Gen Young investors are confident and capable, but research shows higher susceptibility to FOMO and overconfidence. Why advice still matters. https://aetas-wealth.com/insights/planning-for-dementia-care https://aetas-wealth.com/insights/planning-for-dementia-care Wed, 29 Jul 2026 00:00:00 GMT Later Life Many people worry about dementia, but almost half haven't planned for possible care costs. The practical steps you can take now to give you and your family more choice later. https://aetas-wealth.com/insights/helping-family-without-harming-retirement https://aetas-wealth.com/insights/helping-family-without-harming-retirement Wed, 29 Jul 2026 00:00:00 GMT Inheritance Tax Supporting family is one of the most natural things in the world. How to make your generosity work for everyone, without compromising your own retirement, pension or inheritance tax planning. https://aetas-wealth.com/insights/pension-tax-free-lump-sum https://aetas-wealth.com/insights/pension-tax-free-lump-sum Wed, 03 Dec 2025 00:00:00 GMT Pensions & Retirement How the UK pension tax-free lump sum works: 25% of a DC pot up to £268,275, access from age 55 (rising to 57 in 2028), MPAA implications and risks. https://aetas-wealth.com/insights/how-pensions-are-taxed-after-death https://aetas-wealth.com/insights/how-pensions-are-taxed-after-death Wed, 10 Dec 2025 00:00:00 GMT Inheritance Tax How income tax and inheritance tax on inherited pensions interact, before and after April 2027. https://aetas-wealth.com/insights/how-to-assess-attitude-to-risk https://aetas-wealth.com/insights/how-to-assess-attitude-to-risk Thu, 28 May 2026 00:00:00 GMT Investments How UK investors assess attitude to investment risk: capacity for loss, risk tolerance and time horizon explained by Aetas Wealth. https://aetas-wealth.com/insights/how-to-prepare-for-retirement https://aetas-wealth.com/insights/how-to-prepare-for-retirement Wed, 26 Nov 2025 00:00:00 GMT Pensions & Retirement A practical UK retirement preparation guide. What to do 10 years out, 5 years out and in the final 12 months before you retire. https://aetas-wealth.com/insights/how-to-start-investing-uk https://aetas-wealth.com/insights/how-to-start-investing-uk Wed, 04 Mar 2026 00:00:00 GMT Next Gen Set goals, understand time horizon and risk, choose between ISAs, pensions and GIAs. A plain-English step-by-step guide for first-time UK investors. https://aetas-wealth.com/insights/i-just-inherited-money https://aetas-wealth.com/insights/i-just-inherited-money Tue, 26 May 2026 00:00:00 GMT Financial Planning UK guide to managing an inheritance: tax position, immediate steps, ISA and pension priorities and longer-term investment decisions. https://aetas-wealth.com/insights/inheritance-tax-rising https://aetas-wealth.com/insights/inheritance-tax-rising Wed, 15 Apr 2026 00:00:00 GMT Inheritance Tax IHT receipts are forecast to reach £8.7 billion. Frozen allowances and rising asset values mean more families are now in scope, often unknowingly. https://aetas-wealth.com/insights/later-life-care-planning-guide https://aetas-wealth.com/insights/later-life-care-planning-guide Tue, 09 Jun 2026 00:00:00 GMT Later Life A guide to later life care planning: the key options, funding routes and conversations to have before a crisis forces the decision. https://aetas-wealth.com/insights/market-commentary-july-2026 https://aetas-wealth.com/insights/market-commentary-july-2026 Wed, 29 Jul 2026 00:00:00 GMT Markets Our review of markets in June 2026: central banks shift from easing to vigilance on energy-driven inflation, the US-Iran ceasefire, SpaceX's record IPO, and what it means for long-term investors. https://aetas-wealth.com/insights/market-commentary-june-2026 https://aetas-wealth.com/insights/market-commentary-june-2026 Tue, 09 Jun 2026 00:00:00 GMT Markets June 2026 market commentary: UK politics, US equity highs, ECB rate pressures and what recent volatility means for your portfolio. https://aetas-wealth.com/insights/market-commentary-april-2026 https://aetas-wealth.com/insights/market-commentary-april-2026 Mon, 20 Apr 2026 00:00:00 GMT Markets March 2026 was defined by a single event. Our review of the markets, central banks, and what it means for long-term investors. https://aetas-wealth.com/insights/market-commentary-may-2026 https://aetas-wealth.com/insights/market-commentary-may-2026 Mon, 11 May 2026 00:00:00 GMT Markets A two-week ceasefire pushed the S&P 500 above 7,000 for the first time. Our review of the month and what it means for long-term investors. https://aetas-wealth.com/insights/pension-changes-ahead https://aetas-wealth.com/insights/pension-changes-ahead Wed, 08 Apr 2026 00:00:00 GMT Pensions & Retirement Six pension and tax changes are coming over the next few years. None require immediate action, but each is a good reason to step back and review. https://aetas-wealth.com/insights/pension-iht-2027 https://aetas-wealth.com/insights/pension-iht-2027 Wed, 13 May 2026 00:00:00 GMT Inheritance Tax The April 2027 change pulling unused UK pensions into IHT explained, with a worked example showing the 64% effective rate and who is affected. https://aetas-wealth.com/insights/retiring-abroad https://aetas-wealth.com/insights/retiring-abroad Thu, 11 Jun 2026 00:00:00 GMT Later Life UK guide to retiring abroad: how your pension is taxed, healthcare arrangements, residency rules and key financial planning steps. https://aetas-wealth.com/insights/selling-your-uk-business https://aetas-wealth.com/insights/selling-your-uk-business Thu, 18 Jun 2026 00:00:00 GMT Business Owners UK business sale planning: Business Asset Disposal Relief, CGT, pension contributions and financial planning in the year before and after. https://aetas-wealth.com/insights/should-i-pay-my-childs-university-fees https://aetas-wealth.com/insights/should-i-pay-my-childs-university-fees Wed, 17 Dec 2025 00:00:00 GMT Next Gen Should UK parents fund university fees or let children take a Plan 5 loan? A clear guide to repayment thresholds, Junior ISAs and how to weigh it up. https://aetas-wealth.com/insights/wealth-transfer-uk-families https://aetas-wealth.com/insights/wealth-transfer-uk-families Fri, 12 Jun 2026 00:00:00 GMT Inheritance Tax An estimated $74 trillion will pass between generations by 2050. How UK families can plan for wealth transfer, inheritance tax, and legacy. https://aetas-wealth.com/insights/new-mansion-tax-heirs-deferred-property-bill https://aetas-wealth.com/insights/new-mansion-tax-heirs-deferred-property-bill Tue, 09 Jun 2026 00:00:00 GMT Inheritance Tax The proposed High Value Council Tax Surcharge could create a deferred estate liability. What families with high-value homes should know. https://aetas-wealth.com/insights/drawing-your-pension-differently-after-2027 https://aetas-wealth.com/insights/drawing-your-pension-differently-after-2027 Tue, 19 May 2026 00:00:00 GMT Pensions & Retirement Conventional wisdom said to leave the pension untouched and draw other assets first. From April 2027 that order may no longer be tax-efficient. https://aetas-wealth.com/insights/pensions-iht-spousal-exemption https://aetas-wealth.com/insights/pensions-iht-spousal-exemption Tue, 19 May 2026 00:00:00 GMT Inheritance Tax The spousal exemption continues to apply to pensions after April 2027. What it does, what it does not, and what couples should consider. https://aetas-wealth.com/insights/uk-cgt-planning-2026 https://aetas-wealth.com/insights/uk-cgt-planning-2026 Wed, 25 Mar 2026 00:00:00 GMT Investments UK Capital Gains Tax planning explained: the 18%/24% rates, the £3,000 exempt amount, spousal transfers, bed and ISA, and key deadlines. https://aetas-wealth.com/insights/end-of-tax-year-planning https://aetas-wealth.com/insights/end-of-tax-year-planning Wed, 01 Apr 2026 00:00:00 GMT Financial Planning A practical checklist of UK end of tax year planning steps before 5 April: ISA allowances, pension contributions, capital gains and inheritance tax. https://aetas-wealth.com/insights/power-of-attorney-guide https://aetas-wealth.com/insights/power-of-attorney-guide Wed, 11 Feb 2026 00:00:00 GMT Later Life UK Lasting Power of Attorney explained: the two types, how to set one up, what happens without one, and why every adult over 30 should have one in place. https://aetas-wealth.com/insights/salary-sacrifice-cap https://aetas-wealth.com/insights/salary-sacrifice-cap Wed, 06 May 2026 00:00:00 GMT Pensions & Retirement How the 2025 Budget salary sacrifice cap works: £2,000/year NI relief limit from April 2029, who is affected, and how to plan ahead. https://aetas-wealth.com/insights/tax-efficient-giving https://aetas-wealth.com/insights/tax-efficient-giving Wed, 28 Jan 2026 00:00:00 GMT Inheritance Tax UK tax-efficient giving guide: Gift Aid, higher-rate relief, Payroll Giving, gifts of shares and legacy charitable gifts. https://aetas-wealth.com/insights/cash-flow-planning https://aetas-wealth.com/insights/cash-flow-planning Wed, 12 Nov 2025 00:00:00 GMT Financial Planning What cash flow planning is, the questions it answers, how it works, and why it has become more important. A clear guide for UK financial planning. https://aetas-wealth.com/insights/pensions-iht-2027-what-is-changing https://aetas-wealth.com/insights/pensions-iht-2027-what-is-changing Tue, 19 May 2026 00:00:00 GMT Inheritance Tax A plain-English summary of the Finance Act 2026 pension inheritance tax changes taking effect on 6 April 2027. https://aetas-wealth.com/insights/pension-schemes-act-2026 https://aetas-wealth.com/insights/pension-schemes-act-2026 Wed, 29 Apr 2026 00:00:00 GMT Pensions & Retirement The Pension Schemes Act received Royal Assent on 29 April 2026. Up to £29,000 of extra benefit for the average worker. What it means for you. https://aetas-wealth.com/insights/next-gen-investors-adviser https://aetas-wealth.com/insights/next-gen-investors-adviser Fri, 19 Jun 2026 00:00:00 GMT Next Gen 92% of Gen Z investors already use some form of financial advice. What they actually want from an adviser and how expectations differ. https://aetas-wealth.com/insights/financial-wellbeing-business-issue-for-smes https://aetas-wealth.com/insights/financial-wellbeing-business-issue-for-smes Wed, 07 Jan 2026 00:00:00 GMT Business Owners Financial stress in your workforce affects productivity and retention. Why financial wellbeing is now a business performance issue for UK SMEs. https://aetas-wealth.com/insights/why-your-pension-needs-regular-reviews https://aetas-wealth.com/insights/why-your-pension-needs-regular-reviews Wed, 19 Nov 2025 00:00:00 GMT Pensions & Retirement UK pensions need ongoing care, not set-and-forget. When to review, how often, what to check, and the warning signs your pension isn't fit for purpose. https://aetas-wealth.com/insights/next-gen-investor-portfolios https://aetas-wealth.com/insights/next-gen-investor-portfolios Fri, 26 Jun 2026 00:00:00 GMT Next Gen Young investors hold broader portfolios than any previous generation. What CFA Institute research shows about crypto, ETFs and values. https://aetas-wealth.com/insights/isa-investment-strategy-2026 https://aetas-wealth.com/insights/isa-investment-strategy-2026 Wed, 11 Mar 2026 00:00:00 GMT Investments UK ISA rules change in April 2027, the Cash ISA allowance for under-65s drops to £12,000. How to think about your ISA strategy this tax year.