Five Ages of Financial Planning
Everything you need to get in check with your taxes, make the most of your allowances, and avoid last minute stress before the tax year ends on 5 April.
As the end of the UK tax year approaches, there’s a real opportunity to make meaningful savings – but only if you know where to look and act before allowances reset. This guide is designed to help you understand what matters most and how to take action with confidence.
What’s inside
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Capital Gains Tax Strategy
With the exemption holding at just £3,000 for 2025/26, learn how to spread disposals effectively to manage liabilities
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Inheritance Tax & Gifting
Practical steps to use your £3,000 annual gift allowance and small
gift exemptions to reduce your estate’s value -
Pension Planning
Understand the significant shift coming in April 2027, where unused pension pots will be included in your estate for Inheritance Tax purposes
-
Dividend Changes
Prepare for the tax rate increases arriving in April 2026, with higher rate taxpayers facing a rise to 35.75%
Preparing for the 2026 and beyond
The guide also covers significant confirmed changes that may affect your long-term planning:
- Dividend Tax Hikes (April 2026)
- Pension & IHT Shift (April 2027)
- Agricultural & Business Relief (April 2026)
Don’t navigate these changes alone
Tax rules can interact in complex ways, and everyone’s circumstances
are different. Speak with a Perspective adviser to discuss how these
changes affect your specific portfolio.
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