What the Next Autumn Budget (16 November 2026) Could Mean for Your ISA and Pension
The next Autumn Budget is scheduled for Monday 16 November 2026. It's tempting to try to guess what the Chancellor will announce, but the more useful…
Marsha Marcus-Kennedy
September 1st 2026
Stocks & Shares ISA vs Pension for Retirement: Which Wins on Flexibility?
Our separate article on ISA vs SIPP looks at where your next pound should go while you're still saving. This one looks further ahead - once you're actually…
Marsha Marcus-Kennedy
August 30th 2026
Making Tax Digital for Income Tax: What Landlords and Sole Traders Earning £50k+ Must Do Now
If you're a sole trader or landlord and your gross income was above £50,000 in the 2024/25 tax year, the way you report to HMRC has already changed. Making…
Marsha Marcus-Kennedy
August 28th 2026
The Personal Allowance Taper: How Earning Over £100,000 Can Mean a 60% Tax Trap
Most people assume the top rate of income tax in the UK is 45%. For a specific band of earners, that's not true - between £100,000 and £125,140 of income,…
Marsha Marcus-Kennedy
August 26th 2026
Junior SIPPs Explained: Getting £3,600 Into a Pension for Your Child Every Year
A Junior SIPP is one of the least-used but most powerful tax-efficient accounts available to parents and grandparents - precisely because the money won't…
Marsha Marcus-Kennedy
August 24th 2026
Bed and ISA Explained: Moving Investments Into Your ISA Tax-Efficiently
If you've built up investments outside an ISA - in a General Investment Account, an old employee share plan, or an inherited portfolio - and you have…
Marsha Marcus-Kennedy
August 22nd 2026
Dividend Tax Is Rising Again in 2026/27 - Why Your ISA Just Got More Valuable
If you hold shares or funds outside an ISA, April 2026 brought a quiet but meaningful tax rise. Dividend tax rates went up by 2 percentage points across…
Marsha Marcus-Kennedy
August 20th 2026
Capital Gains Tax and Your ISA: Why the £3,000 Allowance Cut Changes the Maths
If you hold shares, funds, or a second property outside an ISA, the amount of profit you can make before Capital Gains Tax (CGT) applies has shrunk…
Marsha Marcus-Kennedy
August 18th 2026
Higher-Rate Taxpayer? Here's How to Reclaim the Extra 20–25% on Pension Contributions
If you pay tax at 40% or 45% and you're contributing to a personal pension or SIPP, there's a good chance you're only getting part of the tax relief you're…
Marsha Marcus-Kennedy
August 16th 2026
SIPP Contributions and Carry Forward: Using 3 Years of Unused Allowance Before 5 April
Most people know the pension annual allowance is £60,000. Fewer realise that if you haven't used it in previous years, you may be able to add much more…
Marsha Marcus-Kennedy
August 14th 2026
Should You Front-Load Salary Sacrifice Before the 2029 NI Cap Hits?
With the £2,000 cap on NI-free salary sacrifice pension contributions confirmed for 6 April 2029, it's tempting to think you should sacrifice as much as…
Marsha Marcus-Kennedy
August 12th 2026
Self-Employed and Salary Sacrifice: Why It Doesn't Work the Way You Think
Salary sacrifice comes up constantly in pension and tax content, and it's easy to assume it's a universal trick anyone can use. If you're self-employed as…
Marsha Marcus-Kennedy
August 10th 2026
Salary Sacrifice for Childcare and Cycle to Work: What's Changing and What Isn't
With so much attention on the 2029 National Insurance cap on salary-sacrificed pension contributions, it's easy to assume salary sacrifice generally is…
Marsha Marcus-Kennedy
August 8th 2026
How to Use Salary Sacrifice and Your ISA Together to Cut Your Tax Bill Legally
Salary sacrifice and ISAs are usually written about separately, but for anyone with room to save or invest beyond the basics, using them together - in the…
Marsha Marcus-Kennedy
August 6th 2026
How Salary Sacrifice Can Bring You Under the £100k Threshold for Tax-Free Childcare
Tax-Free Childcare and the funded childcare hours schemes both use the same rule: if either parent's adjusted net income goes even £1 over £100,000, the…
Marsha Marcus-Kennedy
August 4th 2026
How Salary Sacrifice for Pensions Cuts Your National Insurance Bill Today
Salary sacrifice for pensions is one of the few genuinely free upgrades available to most UK employees right now - and plenty of people who have access to…
Marsha Marcus-Kennedy
August 2nd 2026
Salary Sacrifice Pensions Explained: How the New £2,000 NI Cap Will Work From April 2029
If your employer offers salary sacrifice for your pension, you've probably been quietly benefiting from a National Insurance saving without thinking too…
Marsha Marcus-Kennedy
July 31st 2026
Marriage Allowance: The £252 a Year Most Couples Forget to Claim
Marriage Allowance is one of the simplest tax reliefs in the UK system, and also one of the most under-claimed. If you're married or in a civil partnership…
Marsha Marcus-Kennedy
July 29th 2026
ISA vs SIPP: Where Should Your Next £1,000 of Tax-Efficient Saving Go?
You've got £1,000 spare and you want it working tax-efficiently. Should it go into a Stocks & Shares ISA or a SIPP (Self-Invested Personal Pension)?…
Marsha Marcus-Kennedy
July 27th 2026
The Cash ISA Cut Is Coming in April 2027 - Here's How to Use Your Full £20,000 Now
If you've got cash sitting in a savings account rather than a Cash ISA, this is the year to move it. From 6 April 2027, the rules change - and for most…
Marsha Marcus-Kennedy
July 24th 2026