Latest articles by Laura Miller
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Why your personality type could cost your pension £121k
Whether you’re a Type A or a Type B person could have a dramatic effect on your approach to retirement saving and so the size of your pension pot – here’s why
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Would you delay retirement to help your children through university?
Parents are missing out on as much as £45,000 that could have gone into their pensions because they are using that money to pay their children’s way through university, according to new research
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Family face £100k stamp duty bill after avoidance scheme crashes in court – the mistakes to avoid
A couple faces a substantial stamp duty bill after trying to reduce the amount they owed
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5 alternatives to Reeves’ inheritance tax raid on rural Britain as families face ‘splitting up or selling’ farms
Inheritance tax limits are now so low they attack small working family farms rather than just going after tax loopholes, one Cotswolds farmer has said
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Top financial priorities by age – and why a comfortable retirement may be out of reach
The cost of a comfortable retirement has risen, leaving it out of reach of even many of those who believe they are on track
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How inheritance tax trick is helping families save ‘six-figure sums’
Happy to skip a generation to save thousands on inheritance tax? A deed of variation could be the estate planning tool you need.
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Crypto assets of seven million UK investors at risk – how to keep yours safe
Cryptocurrency wallet rules make it hard to track down assets after someone has died, even if they leave a will saying who they would like to inherit them
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How to avoid the 14 year inheritance tax gifting trap
Inheritance tax rules are getting tighter and more families are trying to find ways to avoid a hefty bill. Giving money away is a common strategy – but if done wrong your loved ones could be on the hook with HMRC for almost a decade and a half.
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HMRC warning after scammers target 170k taxpayers – how to stay protected
Scammers are using increasingly sophisticated methods to trick people into sharing personal details or paying for fake self assessment tax refunds
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How much do retirees spend per year on average?
Much of our working lives is spent planning for retirement, but how much do retirees actually spend?
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Brits could use ‘highly effective’ estate planning tool to cut inheritance tax rate by 10%
Inheritance tax policy changes are prompting a surge in individuals overhauling their plans for their estate, say professional advisers
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Inheritance tax reform ‘largely protects family farms’ – what are the alternatives?
Independent analysis of the government’s inheritance tax reforms has found eight out of 10 farming estates will be able to pay their IHT bill without having to sell off parts of the farm
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Cohabiting families could face £82,000 inheritance tax bill under new rules
Without the tax breaks of marriage, including pensions in inheritance tax calculations – even if the person who dies was too young to ever draw on it – could push many cohabiting couples into paying inheritance tax
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Thousands of homeowners claim £17k for subsidence amid heatwaves – how to spot the signs
Insurers have paid out £150 million for subsidence so far this year. But more than half of people don’t know what to look out for to make a claim.
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Divorced? Simple rules to stop your ex claiming inheritance on your estate
Divorces are back at pre-pandemic levels leaving lawyers urging separated couples to get their affairs watertight to avoid any nasty disputes after death
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Rise of the mid-life downsizers: The generation planning to fund retirement with their family homes
With smaller pensions than the previous generation, over 45s are planning to turn to the family home to pay for their later years by selling up in favour of a smaller cheaper property
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Is Reeves planning an inheritance tax raid on lifetime gifts? How rules could change
Chancellor Rachel Reeves reportedly has inheritance tax in her sights again with potential changes to limit the gifts loved ones can make in a lifetime said to be being considered for the Autumn Budget
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Two million savers withdraw retirement cash before state pension age
Taking pension cash early is becoming the ‘new norm’ but experts warn this runs the risk of running out of money later in life
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Clinging to cash over investing fears? You could miss out on thousands of pounds
Overly-cautious savers could get stuck with low returns now the Bank of England has cut interest rates again amid predictions the base rate has further to fall
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Most Brits unaware onshore bonds can help beat inheritance tax – here’s how
A little-known perk of certain types of bonds can let your loved ones off the hook when it comes to inheritance tax – but two-thirds of people have never heard of them
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Inheritance tax mistake costs families £350m – are you making this simple error?
Life insurance can provide your loved ones with a vital safety net if the worst happens. But to avoid inheritance tax on the pay out, you must write the policy in trust
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Should you give your children’s inheritance to charity?
Fears of misspent money, bad investments and creating spoiled offspring are causing high-net-worth parents to leave their money to causes other than their own children.
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Property down valuations wipe millions off stagnant housing market
Some properties have had as much as £1m knocked off their value as assessors are accused of being ‘overly cautious’ while property prices stall
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Should you defer your state pension and stay in work?
You could boost your state pension by hundreds or thousands of pounds by deferring it if you don’t need the income right now. We look at how it works, and the pros and cons
