Apex Independent Financial Planning Ltd, Elm Lodge, 14 Elbow Lane, Formby, Merseyside. L37 4AF

Insights

Why life insurance could play an even bigger role in Inheritance Tax planning from April 2027

Life insurance can provide a cash payment that beneficiaries may use to help settle an IHT bill. This can be particularly valuable where much of an estate is tied up in property, investments or other assets that cannot easily be accessed or sold quickly.

ISA changes incoming – what they mean for your savings

The biggest overhaul of the ISA (Individual Savings Account) regime in several years is coming into effect on 6 April 2027 – learn more about the changes…

Six-month countdown to April 2027 Pension IHT shake-up

The forthcoming pension IHT reforms are regarded as one of the most significant changes to estate planning in recent years – the clock is ticking

News in review

In this week’s news – steady global growth, AI’s growing influence and the impact of energy costs on growth and inflation. Plus rising UK borrowing costs, increased remortgage activity and the growing gap between retirement expectations and reality

News in Review

In this week’s news - UK annual house prices halved in September as ongoing economic uncertainty weighs, mortgage rates have come under renewed pressure as lenders had been increasing mortgage rates amid rising swap rates and inflationary concerns, Q2 GDP revised up and 82% of businesses expect regional economic growth in the next 3 years

Budget 2026 – planning ahead, not predicting

The Budget is on the horizon, what will Chancellor John Healey announce in his first Budget on 28 October? Look beyond the headlines, don’t get swept away with pre-Budget speculation

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