
Laura Miller
Laura Miller is an experienced financial and business journalist. Formerly on staff at the Daily Telegraph, her freelance work now appears in the money pages of all the national newspapers. She endeavours to make money issues easy to understand for everyone, and to do justice to the people who regularly trust her to tell their stories. She lives by the sea in Aberystwyth. You can find her tweeting @thatlaurawrites
Latest articles by Laura Miller
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‘Reeves’s inheritance tax policy is causing sheer terror for our family business’
Thousands of families fear they’ll have no option but to look at selling their firms in a fire sale to pay inheritance tax bills, due to Rachel Reeves’s changes to business property relief
By Laura Miller Published
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Millions of over 50s fear pension investment risk – how should you position your portfolio?
To de-risk or not to de-risk, that is the question. Act too late and you could face irreversible losses. Move too early and miss out on significant gains that could transform your retirement.
By Laura Miller Published
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Why getting sick will cost you £500 a month in pension savings
More people could face a state pension shortfall as the healthy life expectancy age declines. Do you have £500 extra a month to cover your sick years?
By Laura Miller Published
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Inheritance tax scam warning – how to protect your pension pots ahead of 2027 rule change
Pensions are expected to be included in estates for inheritance tax purposes from 2027 - but experts warn that savers should be wary of too-good-to-be-true avoidance schemes
By Laura Miller Published
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Inheritance tax home loan scheme beats HMRC but lawyers warn of the risks
Schemes widely sold to the middle classes in the early 2000s to avoid inheritance tax are now finding their way to the courts as the tax office disputes their legality
By Laura Miller Published
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Will writing services rated for customer service amid DIY dangers
Badly written wills can lead to costly fights over probate with many DIY firms shirking liability
By Laura Miller Published
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The higher earners who are a significant target for taxes – and how they could be hit in Autumn Budget
Frozen income tax thresholds and the high cost of housing is squeezing many Britons, and their finances could suffer from further tax hikes aimed at the wealthy
By Laura Miller Published
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Pension frenzy: 55-year-olds taking lump sums surges – three things to consider before withdrawing early
Looming inheritance tax rule changes are expected to trigger more demand for pension cash among younger retirees in coming years, prompting experts to warn they could run out of money
By Laura Miller Published
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5 reasons why now is the time to audit your savings and investments
Last-minute decisions made in April’s rush towards the end of the financial year could cost you
By Laura Miller Published
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Pensioner poverty hotspots – where in the UK retirement is most of a struggle
We look at where in the UK over 50s are at greater risk of financial vulnerability due to low homeownership and higher cost of living
By Laura Miller Published
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Divorce financial settlement fights surge – why it pays to agree terms early
Lawyers expect more court battles as tax rises and sharp falls in asset values make divorcing financially more difficult.
By Laura Miller Published
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High pension fees could take £70k from your retirement pot – time to check what you’re paying
Eight out of 10 savers have no idea what fees they are paying to their pension provider to manage their retirement fund, and these charges can vary wildly.
By Laura Miller Published
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Family left with £20k IHT bill because of out-of-date tax advice
Frozen tax thresholds and dated guidance helped drag the estate into an inheritance tax liability despite extensive use of gifting to avoid a bill
By Laura Miller Published
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UK cities facing the biggest rise in IHT bills – is yours on the list?
The number of estates liable for inheritance tax is set to increase to more than 37,000 by 2027, according to new analysis, as a result of rule changes, rising property prices and frozen thresholds.
By Laura Miller Published
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Family faces £1 million inheritance tax bill over widespread issue with holiday lets
Many bereaved families with furnished holiday lets are unable to claim business property relief and have to pay inheritance tax, lawyers say.
By Laura Miller Published
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Pension Schemes Bill: what’s changing and what it means for you
The government’s latest reforms to pensions are designed to make saving for retirement easier and better value for money – but will they leave you better off?
By Laura Miller Published
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How much pension you need to quit at 50 and enjoy a comfortable retirement
The cost of living well in retirement has jumped again, but what if you want to retire more than a decade early on a good income? It’s not cheap, but we have crunched the numbers on how to do it.
By Laura Miller Published
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NFU Mutual and M&S among most trusted insurers as big brands beat smaller rivals
Value for money is a big concern for customers buying insurance, helping to send overall trust scores down to a four year low
By Laura Miller Published
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HMRC opens 1,000 more inheritance tax probes – what to do if it happens to you
Enquiries into inheritance tax owed have jumped by over a third in just one year, but there has been in a decrease in the proportion of investigations leading to higher bills
By Laura Miller Published
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How to manage a windfall: what to do with a £10,000 lump sum
The FCA has warned wealthy savers they have too much in cash, but beneficiaries of windfalls are still hugging safe havens and losing out
By Laura Miller Published
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The UK regions where family businesses will be hit hardest by inheritance tax changes
Job losses and cuts to investment plans are looming as inheritance tax changes due to come in next year affect firms and farms around the country
By Laura Miller Published
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The £8,000 cost of not shopping around for an annuity
Annuities are back in fashion due to higher interest rates but going with your current pension provider could cost you
By Laura Miller Published
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Parents forced to borrow as much as £22k to cover private school fees
The introduction of VAT on private school fees at the start of this year has resulted in more parents borrowing to pay for their children’s education
By Laura Miller Published
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Savers rush into cash ISAs amid fears of cuts to allowance
Cash ISAs attracted the highest deposits on record in April amid speculation about chancellor Rachel Reeves eyeing allowance reforms
By Laura Miller Published