Laws and tax rules may change in the future. A client's personal circumstances and where they live in the UK will also have an impact on tax treatment.

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Capital Gains Tax

Clients may be subject to capital gains tax when they dispose of certain assets. It is therefore vital for advisers when dealing with those assets to fully understand when capital gains may arise and how they will be taxed. The use of reliefs, exemptions and allowances can be a valuable planning tool which may allow clients to defer gains or minimise the tax they will pay on them.


Start the module60 CPD minutes

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IHT on lifetime transfers

Inheritance tax can have an impact upon what can be given away during someone’s lifetime. But with the right planning the effect of IHT can be minimised. It is therefore essential for advisers when considering wealth transfer to understand the taxation of lifetime gifts.


Start the module60 CPD minutes

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IHT on death

Inheritance tax can severely impact what can be passed on to future generations. Understanding what IHT may be payable in the event of death is essential before any plans to mitigate IHT can be considered.


Start the module60 CPD minutes

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Income tax

A client's income tax status will affect most financial decisions throughout their lifetime - from choosing the most appropriate savings vehicle, funding for their pension or how to take their income in retirement. Understanding how income is taxed is an essential component of any financial planning.


Start the module45 CPD minutes

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Literature

Find important and useful documents, including product guides, forms, terms and conditions and sales aids.

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Techzone

Techzone offers you support on the pensions, taxation and wealth transfer issues that matter to you, compiled by our expert team.

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Help and support

You can find answers to a wide range of popular policy, product and servicing questions in our help and support section.