Personal

From 6 April 2027 unused pensions fall into your estate. HMRC's new note hands the tracing job to executors who have no register to search.

The five tax rules I keep correcting after a client has already asked a chatbot, from the MTD threshold to what a UAE 0% rate really costs.

A gift of company shares to your children could trigger a full CGT bill because of a goodwill quirk. Finance Bill 2026-27 fixes it from April 2027.

When a client switches to me, I read the outgoing accountant's handover the way audit taught me to read working papers. Here's the checklist I run first.

The FTA has clarified what 'adequate substance' means for the free zone 0% rate. You can outsource the staff and share the desk, but you can't be a nameplate.

HMRC's distributions consultation wants to police how owners pull cash out of a limited company. If a buyback, demerger or exit is coming, plan it now.

The new Securities Transfer Tax scraps HMRC's paper stamp office for a self-assessed online charge. The £1,000 exemption goes and reliefs now need claiming.

Owner-managed clients think a month-end close is a big-company ceremony. It isn't. It's the discipline that turns year-end from a rescue into a review.

From April 2028 the firm that processes your card payments reports your takings straight to HMRC, matched to your declared turnover. What I'd do now.