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

From our Technology and Integrations Director at Purposeful Group, Cat Adams. As digital communication grows and technology advances, cyber threats are becoming more common.

In this article, we share a few practical ways to stay safe and insights into our ongoing protective efforts.

Why vigilance matters

Many cyber attacks don’t start with sophisticated hacking; they

When people talk about “stakeholders” it sounds like corporate jargon, but it really matters at FMB. Our stakeholders are our clients, our staff, and our community, not just our shareholders. (Photo by Jonny Gios on behalf of Give a Day for Kendal)

We believe that the communities we live and work in are just as much a part of our stakeholder picture as the clients we

Long-term investment success depends more on time in markets than timing them

• Market volatility is normal and often creates long-term opportunity
• Holding excess cash may hinder growth for long-term objectives
• Diversification and discipline help manage emotional investment decisions

Investors are constantly navigating changing narratives. Last year markets rebounded

Inflation eased in April, UK trade deal with Gulf partners, Fuel Duty freeze extended and unemployment rate rises

• Latest Office for National Statistics data show inflation slowed to 2.8% in April, down from 3.3% in March
• The UK agreement with the Gulf Cooperation Council is estimated to add £3.7m to the economy and remove £580m in tariffs per year
• Prime Minister Keir

By Natalie Kempster, Chief Client Officer at Purposeful Group

Most people approach retirement with the same question quietly sitting in the back of their mind: will I have enough? It’s a question that often gets answered with a shrug, a rough mental sum, or a hopeful “I think I’ll be fine.” That’s not good enough, and it’s not what our clients deserve.

This is why