Podcasts about Inheritance tax

Inheritance tax in Ireland is charged at 33% on anything above €400,000 passing from a parent to a child. The question most families never properly work through is whether to move assets during their lifetime or leave them until the end. And that decision changes the bill, the timing, and who ends up paying it. Paddy is joined by Mairéad Hennessy of Taxkey, a firm of independent tax consultants, for a practical conversation about passing wealth on in Ireland. What you'll learn in this episode: • Why the tax question is the wrong place to start, and what to work out first • How the €3,000 small gift exemption works, what makes it fail, and why it is worth far more over time than the figure suggests • How capital gains tax paid by a parent can be credited against a child's inheritance tax bill and the two-year condition attached to it • What a business transfer needs in place in the ten years before it happens, and why the child has to be in the room • Family partnerships: how they work, who they suit, and what they cost you in privacy • The US Federal Estate Tax exposure sitting in Irish households through employer shares, and the $60,000 threshold behind it We recorded this just as the roadmap for the taxation of private investments was published; it therefore also provides an initial outlook on the investment account to be introduced in 2027 and its implications for notional disposals. If you are approaching retirement with a business, property or a portfolio that will have to move at some point, or you are in line to inherit and would rather understand it in advance, this episode is for you.

This is a special best-of episode of the Martin Lewis Podcast, where Producer Simon has picked his favourite topics Martin has covered. Martin Lewis delves into one of the most talked-about financial topics in the UK: Inheritance Tax. From understanding who pays it and when, to the key allowances, gifting rules and common misconceptions, Martin shares some of his most valuable insights to help families make sense of the complex rules surrounding passing on wealth.Plus, in the Tell Us, Martin hears from listeners about the unexpected lessons they learned after retiring. From financial surprises and lifestyle changes to the things they wish they'd known sooner, these honest and often heartwarming reflections offer valuable insights for anyone planning for life beyond work.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!). So, if you've always wanted to know his favourite paper size, what prescription he has in his glasses, or have a very complicated question about your finances, email it to MartinLewisPodcast@bbc.co.uk.

Pressure is growing on the Government to stop wealthy investors from exploiting inheritance tax rules. Which they buy large areas of farmland and passing them on to their children with little or no tax to pay. With more on this Anton spoke to Francie Gorman, President of the Irish Farmers Association.

Pressure is growing on the Government to stop wealthy investors from exploiting inheritance tax rules. Which they buy large areas of farmland and passing them on to their children with little or no tax to pay. With more on this Anton spoke to Francie Gorman, President of the Irish Farmers Association.

Mark Morton explores the upcoming Autumn Budget, examining rumours around stamp duty, council tax reform, social care funding, inheritance tax, defence spending, and Making Tax Digital (MTD). He shares practical observations on housing affordability, government policy challenges, and what advisers and businesses should be watching ahead of the Chancellor's October announcement.The next UK Budget is scheduled for Wednesday 28 October 2026. Chancellor John Healey confirmed the date, and the Office for Budget Responsibility (OBR) will publish its accompanying economic and fiscal forecast on the same day.For more information on this topic and more, please visit www.mercia-group.com for further details.

Today on the show - Jemma Slingo is here to explain upcoming changes to pensions and Inheritance Tax and why they change the equation on where to take your retirement income from. Read Jemma’s full article on this here.See omnystudio.com/listener for privacy information.

If you're a centrist, maybe a softer swing voter in this election, you're right to feel, so far at least, that the whole thing's a bit of a ruse. The left and right blocs are basically going to run campaigns against each other, rather than for something else. How do we know this? Last Sunday the Nats put out budget responsibility rules they so far haven't been responsible enough to follow themselves. Their main argument here is basically, at least we'll do better than the other lot. Which, if you're worried about debt, is probably true. Labour is boxing itself into a fiscal corner. If it is to be believed, Hipkins yesterday told me he would resign as Prime Minister before introducing any tax being proposed by the parties whose support he would need to form a government. And he'd sooner walk away from talks than entertain any of them. So, no inheritance tax, no wealth tax, no land tax, no nothing. Just Labour's CGT. And that tax, remember, relies on 3% growth in house prices every single year to wash its own face. If it doesn't, then what? The problem with ruling out every other form of revenue-raising, while at the same time promising the unions a roll-back of Brooke van Valden's gender bargaining changes, means there isn't just the perception of a hole in the books, but an actual stonking big one. I'm told Barbara Edmonds is busy beavering away on the books, but will have to pull a rabbit out of a hat. If you're leftie-left, you'll be mad Hipkins won't go further on tax., If you're righty-right, you'll be mad Luxon hasn't yet balanced the books. The basis of this campaign though, is going to be attack. The big parties are not so much telling us how or why New Zealand will be a better place under their stewardship, but rather why it'd be a disaster under their opponents. See omnystudio.com/listener for privacy information.

Episode 137 features Jules Batterman of Julez and the Rollerz talking about her experiences with toxic relationships. After suffering through some unhealthy friendships, Jules has learned over the years to set boundaries and communicate openly with the people in her life, whether in her personal or musical world. http://julezandtherollerz.com Featured song clips: Julez and the Rollerz - "I Need Love" from Dirty Little Rock ‘N' Roller (Lolipop Records, 2026) Julez and the Rollerz - "Always Hard 4 U" from Dirty Little Rock ‘N' Roller (Lolipop Records, 2026) Downtown Boys - "100% Inheritance Tax" from Full Communism (Don Giovanni Records, 2015) Julez and the Rollerz - "I Don't Know You" from Dirty Little Rock ‘N' Roller (Lolipop Records, 2026) Photo: Tim Lewis The SCREAM THERAPY BOOK is now available! Scream Therapy: A Punk Journey through Mental Health is a memoir-plus that has been heralded by New York Times best-selling authors. Like the podcast, it links the community-minded punk rock scene with the mental wellness of the punks who belong to it. ORDER A COPY OF THE BOOK! screamtherapyhq.com/book SCREAM THERAPY MERCH STORE! teepublic.com/user/scream-therapy About this podcast: Scream Therapy explores the link between punk rock and mental health. My guests are members of the underground music scene who are living with mental health challenges, like myself. Intro/background music clips: Submission Hold - "Cranium Ache" Render Useless - "The Second Flight of Icarus" Contact host Jason Schreurs - screamtherapypodcast@gmail.com If you or someone you know is contemplating suicide, seek help immediately. For help 24/7 contact the National Suicide Prevention Lifeline, 1-800-273-TALK, or the Crisis Text Line by texting TALK to 741741.

James Sexton, End Discrimination in Inheritance Tax Campaign

Have you thought about inheritance? And, if you're a single person, do you know what will happen to your home after you die? How should the tax work if you don't have any children?Joining Andrea to discuss is Michael Houghton from the Financial Independence and Personal Finance podcast, John Lowe from MoneyDoctors.ie, as well as listeners.

Heatwave conditions are particularly testing for dairy cows, and dairy farmers. Figures from the industry body, the AHDB, showed a 34 million litre reduction in milk arriving at British processors in June this year, compared to the same time last year, with the record temperatures the main cause. The UK is not alone, drops in milk production in Germany and France are bringing one small glimmer of hope. There are signs that the long slump in prices brought about by a global oversupply is starting to reverse.Andy Burnham moves into 10 Downing Street today, as he becomes the UK's 59th Prime Minister, the seventh in ten years. The relationship between Sir Keir Starmer's government and the farming community soured over Inheritance Tax, and England's stop-start sustainable farming incentive. Wildlife and landscape conservation groups were less than enamoured with a shift in emphasis away from protection and towards 'build baby build'. So what's the one thing they want the new Prime Minister to make his priority?The Royal Welsh Show begins today, and all week we're exploring how Welsh farming policy is evolving.Presenter: Charlotte Smith Producer: Sarah Swadling

Are you determined to finally get on top of your finances once and for all?For many, looking at your bank account is something you dread, but how should we best manage what's coming in and what's coming out?For this edition of Finance Matters, Andrea is joined by Paul Merriman of Ask Paul to discuss everything you need to know about retirement planning and inheritance tax.

1. Why Retirement Planning Is More Complex Than Ever Why retirement is no longer simply about accessing your pension. How today's retirees must balance income needs, tax efficiency and long-term financial security. 2. Annuities vs Drawdown – Understanding Your Options What annuities are and why they're becoming attractive again. How combining guaranteed income with flexible drawdown can create a more resilient retirement strategy. Why today's annuity options offer greater flexibility than many people realise. 3. Building a Sustainable Retirement Income Why creating reliable income throughout retirement requires careful planning. How cash flow modelling helps prepare for inflation, market downturns and changing income needs. Why having different "buckets" of money can reduce investment risk during retirement. 4. The 2027 Pension Inheritance Tax Changes What the upcoming inheritance tax changes could mean for pension holders. Why pensions are no longer simply a retirement planning tool—they're becoming an inheritance tax planning consideration. How planning early can help minimise unnecessary tax liabilities. 5. Reducing Inheritance Tax Efficiently How trusts can help transfer wealth more tax efficiently. Why gifting strategies remain an important part of estate planning. How turning pension capital into guaranteed income can remove assets from your taxable estate. 6. Protecting Your Family and Your Legacy Why inheritance tax planning is about more than reducing tax. How life assurance can provide liquidity so loved ones aren't forced to sell assets. The difference between whole-of-life cover and long-term life insurance strategies. 7. Financial Planning for Business Owners How Relevant Life Policies allow business owners to provide life cover tax efficiently. Why many business owners overlook valuable tax-saving opportunities. How structuring protection correctly can reduce both personal and business tax costs. Actionable Takeaways Review your retirement plan to ensure it balances flexibility with guaranteed income. Understand how the April 2027 inheritance tax changes may affect your pension. Consider whether your retirement income strategy is tax efficient. Review your estate plan and explore whether trusts or gifting could reduce future inheritance tax. If you're a business owner, check whether you're making the most of Relevant Life Policies. Work with an independent financial adviser to understand all of your retirement and inheritance planning options before making irreversible decisions. Remember that successful retirement planning isn't just about building wealth—it's about protecting it for yourself and future generations. Resources: WealthBuilders Membership – Free access to guides, webinars and community Download our FREE Pensions & Inheritance Tax Guide Connect with Andrew Cooper (Kingswood Law IFA) on LinkedIn Connect with Us: Listen on Spotify, Apple Podcasts, YouTube, and all major platforms. Next Steps On Your WealthBuilding Journey:   Join the WealthBuilders Facebook Community Schedule a 1:1 call with one of our team Become a member of WealthBuilders If you have been enjoying listening to WealthTalk - Please Leave Us A Review!

PJ catches up with James who is meeting with lawmakers to try and change how inheritances are taxed Hosted on Acast. See acast.com/privacy for more information.

Today on the show - Marianna Hunt is here to walk us through the rules on gifting to beat Inheritance Tax - and specifically the ‘normal expenditure our of income’ exemption that could be one of the most powerful way to beat the tax. You can read Marianna's recent article on this here. IHT gifting allowances: 8 key questions answered Ed Monk is joined by Marianna Hunt to provide a well-balanced take on the latest financial developments together with expert insights to help you grow your capital, manage your investment portfolio and make the most of the money markets. Popular for its jargon-free approach, clear analysis and fresh perspective, The Personal Investor podcast helps shine a light on the latest market developments for the savvy UK investor.See omnystudio.com/listener for privacy information.

Significant inheritance tax changes are being considered by the Government for budget 2027, but should they be?Some argue the current system is discriminatory to those without children, while others say a change to current thresholds is essentially a tax cut for the wealthy.Joining Shane to discuss is Green Party Councillor and Party Finance Spokesperson, Michael Pidgeon and Wexford Councillor Michael Sheehan.

In the upcoming budget, there are discussions circulating around the reform of inheritance tax which some wealth managers say is leading to inequitable and avoidable outcomes. Joining Anton this morning to discuss if tax thresholds kept with the times was Barra Roantree, Assistant Professor in Economics at Trinity College Dublin.

In the upcoming budget, there are discussions circulating around the reform of inheritance tax which some wealth managers say is leading to inequitable and avoidable outcomes. Joining Anton this morning to discuss if tax thresholds kept with the times was Barra Roantree, Assistant Professor in Economics at Trinity College Dublin.

Can you gift a property straight into a limited company? And should you use a bridging loan or equity for your first BRR project? Rob & Rob tackle both on this Tuesday's Ask Rob & Rob. (00:38) Fred's relative wants to pass him a property to reduce their inheritance tax bill, but can it go directly into his limited company? Rob D explains why that's probably not a good idea, breaking down the inheritance tax and stamp duty implications of each route. (04:23) Will's a young investor sitting on an unencumbered property and is itching to do his first BRR project. Should he use a bridging loan or release equity? Rob B explains the one option that gives you far more protection if things don't go to plan. Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Got a question? Send it in here Find out more about Property Hub Invest

Inheritance tax is catching more families than ever, and recent rule changes will only extend the net even further. In this episode, hosts Merryn Somerset Webb and John Stepek discuss the most effective ways to reduce an IHT bill with inheritance tax specialist Rob May, including a detailed look at the types of insurance available, and how much they're likely to cost you.See omnystudio.com/listener for privacy information.

Some financial decisions come with clear answers. Others require balancing risks, opportunities, and a healthy dose of uncertainty. In our episode “May 30, 2026: Mortgages, Money Transfers & Monetary Policy,” we explore three areas where the right decision depends as much on context as it does on the numbers — from adjustable-rate mortgages and wealth transfers to the Federal Reserve's ongoing fight against inflation.Adjustable-rate mortgages are making a comeback, but this isn't a repeat of the housing bubble era. With special guest Shanna Squires from Henssler Mortgage Advisors, we break down how today's ARMs differ from the products that helped fuel the financial crisis, why some homebuyers are turning to them in a world of elevated mortgage rates, and whether they represent a smart strategy or a risky gamble on lower rates ahead.Next, we tackle a listener question about inheriting and gifting money. From estate taxes and inheritance taxes to annual gift exclusions and lifetime exemptions, we'll explain what the rules actually are—and just as importantly, what they aren't. If you've ever wondered how families can pass wealth to the next generation without creating unnecessary tax headaches, this conversation is for you.Finally, we examine a question many investors are asking: What happens when inflation is driven by supply shortages rather than consumer demand? With oil prices and geopolitical tensions once again influencing inflation expectations, we discuss the limits of Federal Reserve policy, why interest rates remain the Fed's primary tool, and the difficult tradeoffs policymakers face when fighting inflation that may be originating far outside their control.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — May 30, 2026  |  Season 40, Episode 22Timestamps and Chapters3:48: ARMs: Smart Strategy or Warning Sign?18:08: Passing Down Wealth Without Passing Down Problems34:11: Fighting Inflation With the Wrong Tools? Follow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

Inheritance tax is a tricky topic. Taboos around speaking about money and the emotion that comes with thinking about death create a perfect storm for misunderstanding it. But with such complex rules around inheritance, it is a topic well worth talking about – and sooner rather than later.Lisa Conway Hughes, a certified financial adviser and founder of LCH Wealth, speaks to MoneyWeek's Kalpana Fitzpatrick about how the inheritance tax regime is changing from April 2027, the quirks of the new system, and why it could be a good idea to visit a financial adviser.

There's a lot to consider when you're an expat, in or outside the UK, and trying to be tax compliant. You might not think so, but tax planning starts before you even book your flights.In this episode, I'm joined by Nicola Goldsmith, one of our trusted UK partners for Expat Taxes UK, for the first part of a really practical conversation around UK tax planning for expats.Nicola brings nearly three decades of experience in cross-border tax, and what I particularly enjoy about this discussion is how grounded it is in real-life decision-making. As Nicola agrees, tax is far more about problem-solving than it is about numbers.We walk through the fundamentals of UK tax residency, what actually determines where you're taxed, and why timing is everything if you're planning a move. This comes up a lot in conversations with clients, because people usually leave decisions too late and miss opportunities that are entirely legitimate.Nicola explains how differences in tax years can create short windows for planning, the importance of understanding your income streams across borders, and how new rules like the FIG regime are changing the landscape for those arriving in or returning to the UK.If you're considering a move to or from the UK, or you're already navigating life across jurisdictions, this episode will help you better understand the common misconceptions and where early advice can make a meaningful difference to your overall tax position.Main Topics Discussed in this EpisodeWhy Tax is Really About Problem Solving: Nicola shares her journey into tax and explains why the real skill lies in solving people's individual circumstances—not crunching numbers.Understanding the Complexity of UK Tax Rules: We discuss how UK tax legislation works in practice, including why headline rates can be misleading and how different rules interact in unexpected ways.Planning Ahead When Leaving or Moving to the UK: The key thing to note here is that early planning creates opportunities—particularly around timing, structuring income, and managing assets across borders.Using Tax Residency Timing to Your Advantage: This is one of those areas where small timing differences—sometimes just days—can open up legitimate planning opportunities, including periods of non-residence.A Practical Overview of UK Tax Residency Rules: Nicola breaks down the fundamentals of UK tax residency, including automatic tests, the ties test, and how split-year treatment works in real-life scenarios.Book a consult with Nicola Website: www.expattaxes.co.ukLinkedIn: https://www.linkedin.com/in/nicola-goldsmith-tep-cta-b22363149/*****Use the link below and quote "Expat Taxes" when registering with Currencies Direct to receive a €50 One4All or Amazon voucher when you transfer €5000 or more in your first six months with Currencies Direct.*Click here for a special offer from our sponsor, Currencies Direct******If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify.Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today: https://expattaxes.ie/book-a-consult/.*****Chapters:(00:00) Welcome to Taxbytes for Expats(01:11) Introducing Nicola Goldsmith & Her Tax Background(02:25) Why Tax is About Problem Solving, Not Numbers(04:10) How Tax Systems Differ Across Countries(06:03) Understanding UK Tax Complexity & Rates(10:19) Key Considerations When Leaving the UK(12:12) Planning Opportunities & Non-Residency Windows(13:57) Why Early Tax Planning Matters for Expats(14:23) Timing Your Move & UK Tax Year Nuances(15:56) The New FIG Regime Explained(18:25) Changes to Inheritance Tax & Domicile Rules(23:08) UK Tax Residency Rules Simplified

Thinking about moving to France or buying French real estate? In this episode of Gimme Some Truth, we talk with Philippe Henky from Squair Law, a French tax attorney with over 10 years of experience advising U.S. nationals on French tax law, estate planning, and cross-border real estate transactions.Philippe walks through the biggest financial and legal pitfalls Americans face when relocating to France — from inheritance taxes that can reach 45–60% to forced heirship rules that may override your U.S. estate plan. We cover practical strategies like usufruct (division of ownership), how to structure property purchases (share deal vs. asset deal), and why the difference between a holiday home and a primary residence matters more than you think.We also unpack a common source of confusion: the U.S.–France income tax treaty vs. the estate tax treaty, and why mixing them up can be costly. Plus, Philippe explains how French law treats U.S. trusts (spoiler: not the way you'd expect) and why you should always get your own notary and attorney when buying property in France.Whether you're planning a permanent move, purchasing a vacation home, or just exploring your options, this episode gives you the framework to make smarter decisions — ideally before you sign anything.Key topics covered: French inheritance tax rates (45–60%) and how to reduce your exposureUsufruct and division of ownership strategiesDo Americans need a French will? Understanding forced heirship rulesElecting U.S. law in a French willU.S.– France income tax treaty vs. estate tax treatyHow trusts are taxed under French lawBuying property in France: holiday home vs. primary residence structuringShare deal vs. asset deal when acquiring French real estateWhy you must plan before you buyChoosing your own notary and legal counsel

Jackson makes his return on air with Drew this week as they talk to callers and answer questions regarding states with no income tax, online savings accounts, FDIC insurance, inheritance tax in MD, and more! Download and enjoy! 

Today on the show - a potentially very important change is coming affecting pensions and the Inheritance Tax on them. For those affected it could require a complete overhaul of their financial plans for retirement. Marianna Hunt is here to explain and offer up some steps to take now in order to mitigate the risk. Ed Monk is joined by Marianna Hunt to provide a well-balanced take on the latest financial developments together with expert insights to help you grow your capital, manage your investment portfolio and make the most of the money markets. Popular for its jargon-free approach, clear analysis and fresh perspective, The Personal Investor podcast helps shine a light on the latest market developments for the savvy UK investor.See omnystudio.com/listener for privacy information.

Episode 638: A sudden windfall can disappear faster than you think. Learn how to avoid hidden mistakes and protect what you've been given. Then, Justin and Zach clear up one of the most misunderstood parts of the tax system and show how to use that knowledge to maximize what you keep, not just what you earn.

James Sexton tells PJ he thinks the current system is unfair to those who want to leave to their nephews or others and people should get a lifetime threshold for inheritance no matter where it comes from. Hosted on Acast. See acast.com/privacy for more information.

In this Deep Dive episode, Tom Selby and Tom Sieber explore what retirement really looks like in 2026 — from phased retirement and flexible working, to drawdown, annuities, tax changes and the risks that could derail your plans. They also hear from a financial adviser on managing money in retirement, and from AJ Bell's very own Rachel Vahey on inheritance tax and what the latest changes could mean for families. 02:24 Tom Selby and Tom Sieber discuss how retirement is changing, why it no longer has to mean stopping work completely, and what earning part-time or freelance income could mean for your pension planning. 06:34 They break down the main ways to access your pension, including drawdown and annuities, and ask whether the best approach for many retirees might be a mix of both. 10:33 The pair look at the key retirement dates and milestones people need to know, including changes to the Normal Minimum Pension Age and how the State Pension fits into the wider retirement income picture. 18:10 The two Toms examine some of the biggest threats to retirement finances, including longevity risk, sequence risk, inflation and the danger of drawing too much too soon. 24:25 Tom Selby speaks to Rick Gosling, a financial adviser at Five Wealth, about how retirees can manage their money sustainably and avoid common financial pitfalls later in life. 46:42 Tom Sieber catches up with Rachel Vahey, AJ Bell's head of public policy, to discuss what the inheritance tax changes could mean in practice — and what people can do if they think they may be affected. 01:08:19 Both Toms wrap up with the big takeaways from the episode, including the importance of flexibility, planning ahead and making your retirement savings work for the long term.

In this episode, farm charities offer a listening ear as inheritance tax rules come into effect – leaving farming families facing a hefty bill following the death of a loved one. We’ve the latest on help for those who might be affected by the changes, including farmers who haven't yet taken advice. The Farming Community Network helpline is 03000 111 999 (7am to 11pm daily) or via email at help@fcn.org.uk. Electricity standing charges go up this month – we examine what it means for your farm business with some suggestions for what you can do. What’s hot and what’s not: we look at the latest arable farm management software, including the options and prices thanks to Mike Abram. And we catch up with the National Sheep Association about a new law on livestock worrying – which could help to reduce dog attacks on sheep this Easter Bank Holiday. This episode of the Farmers Weekly Podcast is co-hosted by Johann Tasker, Louise Impey and Hugh Broom. Edited and produced by Johann Tasker. Contact or follow Johann: linkedin.com/in/johanntasker/ Contact or follow Louise: linkedin.com/in/louise-impey-95470b20b/ Contact or follow Hugh: linkedin.com/in/hugh-broom-9b11906a/ For Farmers Weekly, visit fwi.co.uk or follow linkedin.com/company/farmers-weekly To contact, sponsor or advertise on the Farmers Weekly Podcast, email podcast@fwi.co.uk. In the UK, you can also text the word FARM followed by your message to 88 44 0. We'd love to hear from you.See omnystudio.com/listener for privacy information.

Report from Barry Lenihan

Key Topics Covered: 1. Why Pooling Is a Missing Mindset in Financial Planning Most financial advice is built around the nuclear family unit, not the wider family tree. Families often manage money in isolated silos, which benefits institutions more than the family. Pooling is framed as efficiency and joined up planning, not “taking someone's money”. 2. Pooling Cash: Better Rates, Lower Risk, and Less Bank Dependence Technology platforms can provide access to better savings rates and multiple banking options. Spreading cash across institutions reduces the risk of a single point of banking failure. Many people stay with the same bank for decades and miss better returns and protections. 3. Pooling Investments: Aggregating Platforms to Cut Fees Stock market investing is now largely platform based, and platform fees are often percentage based. By aggregating family pots, it may be possible to reduce platform fees across the whole family. The compound impact of fee savings over time can be enormous, especially as portfolios grow. 4. What a SSAS Is and Why It's Different SSAS is described as a pension that operates more like a business: entrepreneurial and flexible. It can invest in many asset types beyond the stock market, including commercial property and more. It is multi person and multi generational, allowing family members to pool pension pots. 5. SSAS Pooling Benefits: Activity Based Fees and Tax Deductible Costs SSAS fees are based more on activity than value, unlike many platforms that charge by percentage. SSAS running costs can be tax deductible expenses for the business paying them. This can mean a larger SSAS can cost less to run than a smaller conventional pension. 6. Who Can Join a SSAS and How Big It Can Be A SSAS can include up to 11 members in total (you plus 10 others). Members must be genuinely connected, commonly spouses, adult children, or wider family. More families are now exploring bringing children into pension structures earlier. 7. Inheritance Tax Planning Inside SSAS: Earmarking Earmarking allows families to assign higher growth assets to children and lower growth assets to parents. This can accelerate children's pension growth while slowing the parents' pension growth. A smaller parent pot can reduce the inheritance tax exposure when pensions are included from 2027. 8. Inheritance Tax Planning Inside SSAS: Loanback SSAS loanback allows business owners to borrow from their own pension into their company. Loans can be up to 50 percent of the SSAS value and must be secured under the rules. The interest rate can be far lower than commercial borrowing, potentially saving tens of thousands in fees. If the company is structured with next generation shareholders, profits can accumulate outside the parents' IHT problem. 9. Pooling Wisdom and Documents: Preparing the Next Generation Families should involve adult children sooner so they understand what exists and why it matters. A digital vault can pool documents, passwords, and key financial information securely in one place. Physical originals (like wills) should also be stored in a fireproof, waterproof container. Pooling memories and family stories can be part of the vault too, strengthening legacy beyond money. Actionable Takeaways Review where your family is paying percentage based platform fees and explore whether aggregation could reduce them. Audit cash holdings and consider spreading across institutions to improve rates and reduce risk. If you are a business owner with pensions, explore whether a SSAS could reduce costs and increase flexibility. Learn the SSAS tools that matter for 2027 planning: earmarking and loanback. Bring adult children into the conversation early so wealth transfer includes competence, not confusion. Create an ICE file and a digital vault so your family knows where everything is in an emergency. Resources & Next Steps WealthBuilders Membership: wealthbuilders.co.uk/membership Family Wealth Fortress: wealthbuilders.co.uk/fortress Download our FREE Pensions and Inheritance Tax Guide WealthBuilders Membership: Free access to guides, webinars, and community Connect with Us: Listen on Spotify, Apple Podcasts, YouTube, and all major platforms. Next Steps On Your WealthBuilding Journey:   Join the WealthBuilders Facebook Community Schedule a 1:1 call with one of our team Become a member of WealthBuilders If you have been enjoying listening to WealthTalk - Please Leave Us A Review!

It's less than a month before the new inheritance tax comes in for farmers, and the Government's Finance Bill reaching the report stage is a last chance for any amendments to be considered. After a Government u-turn at the end of the year, the tax threshold was increased, but there are concerns the policy still doesn't give Tenant Farmers, who don't own their land, the same advantage. The Tenant Farmers Association share their concerns. A farm vets practise in Gloucestershire is offering free workshops for Young Farmers groups to spend time with their vets asking questions and taking part in practical workshops. Marie Lennon went to Tyndale Vets for one of the sessions. For decades, farmers have used sewage sludge, or bio solids as fertiliser. That's the waste that comes from us after it's been cleaned up in water treatment plants. Compared to imported artificial fertiliser, its very cheap - it can even be free. But there's concern that sewage-derived fertiliser may contain microplastics, pharmaceuticals and some so-called forever chemicals. The government is proposing to tighten the rules on using sewage sludge on farmland Scotland introduced tighter rules a few months ago – and Wales is also looking to reform. Tom Heap reports.Presented by Anna Hill and produced by Marie Lennon

Read any paper to the right of The Guardian and you'll see furious condemnation of “tax raids” on “grieving families”, and a Labour plot to destroy the Middle Class and farmers via the “hated” inheritance tax “trap”. Yet IHT makes up only 0.7% of Government revenue and fewer than 5% of people leave enough to be subject to it. Why is Britain neurotic about a tax that so few pay? And with huge inheritances and the Bank of Mum and Dad creating a two-tier society of those with family wealth and those without, should we want to increase IHT not cut it? Senior fund manager Dan Kemp looked after $350bn in assets at the finance giant Morningstar, and now runs a new company, Portfolio Thinking. He tells Andrew Harrison why even he thinks simply cutting inheritance tax is a bad idea. www.patreon.com/bunkercast Written and presented by Andrew Harrison. Producer: Liam Tait. Audio production: Simon Williams. Music by Kenny Dickinson. Artwork by James Parrett. Managing Editor: Jacob Jarvis. Group Editor: Andrew Harrison. THE BUNKER is a Podmasters Production.www.podmasters.co.uk  Learn more about your ad choices. Visit podcastchoices.com/adchoices Hosted on Acast. See acast.com/privacy for more information.

Read any paper to the right of The Guardian and you'll see furious condemnation of “tax raids” on “grieving families”, and a Labour plot to destroy the Middle Class and farmers via the “hated” inheritance tax “trap”. Yet IHT makes up only 0.7% of Government revenue and fewer than 5% of people leave enough to be subject to it. Why is Britain neurotic about a tax that so few pay? And with huge inheritances and the Bank of Mum and Dad creating a two-tier society of those with family wealth and those without, should we want to increase IHT not cut it?  Senior fund manager Dan Kemp looked after $350bn in assets at the finance giant Morningstar, and now runs a new company, Portfolio Thinking. He tells Andrew Harrison why even he thinks simply cutting inheritance tax is a bad idea.  www.patreon.com/bunkercast  Written and presented by Andrew Harrison. Producer: Liam Tait. Audio production: Simon Williams. Music by Kenny Dickinson. Artwork by James Parrett. Managing Editor: Jacob Jarvis. Group Editor: Andrew Harrison. THE BUNKER is a Podmasters Production. www.podmasters.co.uk  Learn more about your ad choices. Visit podcastchoices.com/adchoices

In an era of political turmoil, rapid technological change, and shifting tax rules, internationally minded investors, especially expats, face a landscape that feels more uncertain than ever. Yet within that uncertainty are clear, practical steps you can take to protect your wealth, manage risk, and live well. When you're a British expat or US-connected family navigating dual tax UK and US rules, even small misunderstandings can lead to outsized financial consequences. The difference between confident decision-making and costly mistakes often comes down to working with the right international advisor and having a clear long-term plan.   In this episode of Expat Wealth, Richard Taylor – dual UK/US citizen and Chartered Financial Planner – is joined by James Boyle – Lead Financial Planner at Plan First Wealth to unpack the real-world financial conversations happening behind the scenes with globally mobile families. As technology evolves and more people turn to artificial intelligence for quick answers, it's becoming easier to find information, but harder to interpret it correctly. Tax language is nuanced. American tax reporting rules can carry severe penalties if misunderstood. For anyone moving to the US, moving to America, or building wealth while living internationally, context matters just as much as the rule itself.   You'll hear insights on:   The Supreme Court's recent ruling on Trump-era tariffs, the political fallout, and what all the uncertainty means for markets.   Growing anxiety around AI – shifting from pure optimism to a more mixed, sometimes fearful outlook – and how to stay invested and optimistic despite the noise.   Why the US is still likely to be the key engine for monetizing AI and human ingenuity, and why global diversification is still non‑negotiable.   A deep dive into the upcoming UK inheritance tax (IHT) changes on pensions (including SIPPs) from April 2027, and the potential strategy of using non‑UK situs assets (e.g., US ETFs) within Self-Invested Personal Pensions (SIPP).   --   Expat Wealth is supported by Plan First Wealth. Plan First Wealth is a Registered Investment Advisor serving fellow expatriates and immigrants living across the US on matters such as retirement planning, investment management, tax planning and non-US asset management.   https://planfirstwealth.com/   --   Expat Wealth is affiliated with Plan First Wealth LLC, an SEC registered investment advisor. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of Plan First Wealth.    Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Plan First Wealth does not provide any tax and/or legal advice and strongly recommends that listeners seek their own advice in these areas.   ABOUT RICHARD: Richard Taylor is a British expat, dual citizen (UK & US). Originally from Bolton, he now lives in Greenwich, CT, where Plan First Wealth has its head office. As the firm's leader, Richard launched Taylor & Taylor, now Plan First Wealth, and continues to fuel the firm's growth. Richard is a Chartered Financial Planner (UK – CII) in addition to holding the IMC (CFA UK) and Series 65 (US – FINRA). Connect with Richard on LinkedIn

The big topic for Martin this week is inheritance tax, he explains how inheritance tax works and goes through all the practicals on how much you can leave before its taxed.... Why marriage is the biggest way to reduce inheritance tax... The change that means pensions will soon have inheritance tax on them... all the gift rules you can utilise and far more.The podcast features key updates on car finance mis-selling, and what the spike in energy prices due to the conflict in the middle east really means for what you'll pay.And then of course there's Mastermind, if a shop misprices an item, can you force them to sell it to you at that amount? If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you've always wanted to know what colour his eyes are, what he's planning to do in his eventual retirement, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

“End the Discrimination”: James Sexton The Fight to Reform Ireland's Inheritance Tax Hosted on Acast. See acast.com/privacy for more information.

Inheritance tax - if your auntie leaves you a house - prepare for a ridiculous tax bill... John is in the Philippines - can we help him to get back home for urgent cancer treatment..Damo opens his popup parcel - not bad, in fairness & more Hosted on Acast. See acast.com/privacy for more information.

More investors are coming to realise that inherited super is taxed at 17 per cent, but the government has stirred a hornet's nest in adding a de facto death tax into the new super tax legislation. What to do? Hugh Robertson of Centaur Financial joins Associate Editor James Kirby in this episode. In today's show, we cover: Inheritance tax changes : What you need to know Understanding your super caps for the year ahead How the kids raise your Medicare Levy Surcharge Dealing with overseas shares and ETFs See omnystudio.com/listener for privacy information.

Changes are coming to UK inheritance tax legislation. From April 2027, many expats with UK Self-Invested Personal Pensions (SIPPs) could face a 40% UK inheritance tax hit on pension values above the £325,000 nil-rate band, but the way the new rules are drafted may allow non-long-term UK residents to structure their SIPPs so that non-UK underlying assets sit outside the UK inheritance tax net.    Richard Taylor, dual UK/US citizen and Chartered Financial Planner, is joined by Tobias Gleed-Owen, Senior Associate at Birketts, to discuss the upcoming changes to SIPPs and inheritance tax. This episode of Expat Wealth explores how UK expats, or future recipients of a UK inheritance or pension, can prepare for the April 2027 changes. Richard and Tobias unpack how the draft UK rules will treat pensions for inheritance tax, why the position most people have assumed is likely wrong, and how looking through to the underlying investments in an SIPP may keep large portions of a UK pension outside the UK inheritance tax net.    In this episode, Richard and Tobias take a detailed look at:    The big picture: An overview of the 2027 UK inheritance tax change on pensions.    Practical planning opportunities: How to structure or restructure your SIPP investments.    What to do if you have an old defined benefit pension.    Pension Commencement Lump Sums: Whether or not the UK 25% “tax-free lump sum” is tax-free in the US.     --    Expat Wealth is supported by Plan First Wealth. Plan First Wealth is a Registered Investment Advisor serving fellow expatriates and immigrants living across the US on matters such as retirement planning, investment management, tax planning and non-US asset management.    https://planfirstwealth.com/    --    Expat Wealth is affiliated with Plan First Wealth LLC, an SEC registered investment advisor. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of Plan First Wealth.      Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Plan First Wealth does not provide any tax and/or legal advice and strongly recommends that listeners seek their own advice in these areas. 

There's a topic that often appears in the Money Box inbox, inheritance tax.It's money paid by the estate of someone once they die, as long as the total value of all their property, possessions, cash and soon pensions are worth more than a fixed threshold set by the government.At the moment Government figures say just 5% of estates actually pay the tax, so relatively low, but there are changes coming in this year and next which could increase that number.Questions around who pays it and how much it is as well as the rules around passing on wealth to loved ones are never far away from the top of our in tray. So, today we'll answer as many as we can.Joining presenter Felicity Hannah this week is Clare Moffat, pension and tax specialist at the mutual life, pensions and investment company Royal London and Nina Sperring, wealth protection solicitor and partner at the law firm Price, Slater, Gawne.Presenter: Felicity Hannah Producer: Sarah Rogers Editor: Jess Quayle Senior News Editor: Sara Wadeson(This episode was first broadcast at 3pm on Wednesday the 14th of January 2026)

Is the American tax code a fair engine for growth, or a "second estate" where the rich choose whether or not to pay? We are often told that the top 1% of earners already pay 40% of all taxes, while nearly half of Americans pay nothing at all. Legal scholar Ray Madoff argues that this statistic is a deliberate "bait-and-switch" designed to confuse the public. The reality is that the truly rich often have little to no income to tax, living instead on borrowed gains and tax-free inheritances.In this episode, Madoff joins Luigi Zingales and Bethany McLean to discuss her new book "The Second Estate: How The Tax Code Made An American Aristocracy" covering how and why our current tax system allowed the ultra-wealthy to opt out altogether. She argues that to fix the system, we shouldn't just raise rates, we need to bring inheritances and investment gains directly into the income tax system and eliminate the "cover" provided by a broken estate tax.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The Prime Minister has told a select committee he is aware of the pressure farmers are facing because of the government's plan to reimpose inheritance tax on them. However, despite close questioning from his own MPs, he made no commitment to change. Sir Kier Starmer was in front of the Liaison Committee which is made up of all the Chairs of the House of Commons Select Committees, who head up investigations into government departments. The countryside charity the CPRE, says it's concerned that most new housing is being built on green-field sites. It fears the government will create urban sprawl as it tries to fulfil its manifesto pledge to build 1.5 million new homes over the course of the next parliament.All week on Farming Today we're talking about the rural heritage buildings that make up our countryside, everything from old farm barns to country mansions. All of these buildings will need maintenance and repair, but there's only one centre in the UK teaching NVQ Level 3 qualifications, in Heritage Construction skills. We visit the Tywi Centre in Carmarthenshire,.Presenter = Anna Hill Producer = Rebecca Rooney

A group of Labour MPs with rural consitituancies have urged the Government to think again on Inheritance Tax Changes, with some abstaining on a Commons vote on the issue earlier this week. This is the ongoing row over the Government's plan to re-impose inheritance tax on farming and business assets over a million pounds, which was introduced in last year's budget and is due to take effect from April next year. Ministers insist the plan is fair and say its time to move on. The cost to arable farmers of this year's summer drought has been estimated to be £828 million. The think tank the Energy and Climate Intelligence Unit says farmers will lose the income as a result of what it says is the second worst UK harvest on record, where crops were hit by a very hot spring and summer as well as the resulting lack of water. A pioneering project to help the crews on fishing boats manage the unpredictability of their earnings has been launched in Cornwall. Weather conditions, fuel prices and market demand can mean that one week crews will earn, but the next they won't, making budgeting tricky.  Citizens Advice Cornwall says its led to problems - which is why, along with other local groups, it's set up Net Savings, a government backed collaboration to help fishing crews with financial advice. And as part of our week-long look at winter jobs on farm, we meet a cider apple farmer who'll be tending his trees throughout the season. Presented by Charlotte Smith and produced by Sally Challoner.

Farmers were in London again to protest about the re-imposition of inheritance tax on farming and business assets of more than £1 million, something announced last year. In her budget, the Chancellor made a change to transferring inheritance tax allowances between spouses, but farmers said it wasn't enough.Presented by Charlotte Smith and produced by Beatrice Fenton.

Farmers were in London again to protest about the re-imposition of inheritance tax on farming and business assets of more than a million pounds - something announced last year. In her budget, the Chancellor made a change to transferring inheritance tax allowances between spouses, but farmers said it wasn't enough. Presenter = Charlotte Smith Producer = Rebecca Rooney

LBC host Lewis Goodall sparks outrage by suggesting a 100% inheritance tax to end wealth inequality. The PBD Podcast debates fairness, estate taxes, government overreach, and why punishing successful families could destroy incentives. Should children inherit or should the state take it all?