Inheritance Tax (IHT) is becoming a growing concern for many families and especially business owners in the UK. Recent changes mean that more of your wealth could now be taxed—and at higher levels than before. If you haven’t reviewed your plans recently or if you haven’t even considered proactively dealing with the impending liability, it may be time to take another look. What’s Changed? Pensions will soon be included in your estate. From April 2027, most unused pension fund

When Angus McCallum-Toppin, one of the co-founders of AMT Coffee, passed away in 2021, it marked more than just the loss of a pioneering entrepreneur—it also exposed a major vulnerability in the business’s long-term resilience. Despite being a well known British coffee brand, operating at more than 50 sites and known for ethical practices and high-street presence, AMT Coffee entered administration in 2022, highlighting how even successful businesses can falter without the rig

When most people think about life insurance, they picture a lump-sum payment to loved ones (or a business partner in the context of business protection) after they pass away. While that’s certainly the core purpose, many modern life insurance policies now have the option to include value-added benefits — extras that can support you and your family or business during your lifetime , not just after. Typically these come at a small additional cost per month but often this is