From April 2027 unused pension funds will no longer sit outside an estate, a significant change in Inheritance Tax (IHT)

• Research indicates nearly nine in 10 adults are unaware that pensions will fall within IHT from 2027
• Fraudsters are already exploiting confusion around the new rules, offering risky solutions to avoid IHT
• While the 2027 reforms will reshape how

Research has found that UK investors remained committed to growing their wealth during the first half of the year

• Despite continued geopolitical and economic uncertainty, 30% of investors increased contributions to their portfolios in Q1
• Findings suggest that many are continuing to prioritise long-term financial goals over short-term market volatility
• The strongest

Andy Burnham’s first week as Prime Minister, June’s easing inflation, oil price volatility plus US tariffs and house price growth

• Latest government policy announcements include a 20% cut in business rates for hospitality and a cap on bus fares
• The latest data from the Office for National Statistics (ONS) shows that UK inflation fell to 2.6% in June
• Oil prices fall

We would like to say a massive thank you to everyone who took part in the survey we published a little while ago and shared their views on incorporating health and lifestyle information into personalised financial planning.

It is very important to us that any work we do is client-informed, purposeful and brings clear benefits. We are using your feedback to explore how

Dave is one of our most experienced Financial Planners having worked in financial services for 25 years.

Dave is a popular member of the team, who is passionate about looking after his clients, consequently he has been trusted by many who have recommended him to family and friends.

• How many years have you worked at FMB? This will be my tenth year.
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A guide to Inheritance Tax thresholds, exemptions and planning essentials

Estates above £325,000 may face 40% IHT, with additional residence allowances available

Lifetime gifting and trusts can reduce estate value but require careful structuring

Professional advice helps navigate complex rules and avoid unintended tax liabilities

• IHT is a tax charge based on the

World Cup success depends on balance, teamwork and adaptability. The same principles apply to investing, where diversification, discipline and regular reviews support your long-term financial objectives.

• Building a portfolio, like a winning football squad, involves selecting assets with different strengths, behaviours and attributes
• Diversification improves resilience –

Keir Starmer’s resignation announcement, annual inflation remained at 2.8% in May and the UK and US hold interest rates

• Starmer’s departure clears the way for the country’s seventh Prime Minister in a decade, in time for the summer recess
• Experts were surprised by the latest data from the Office for National Statistics, expecting inflation to rise to 3%
• The Monetary