McCloud Remedy Arrears and an Unexpected Tax Bill: What to Do Next
The McCloud remedy was meant to close a long chapter for the Armed Forces. The government accepted that moving older members into AFPS 15 was discriminatory, and anyone affected was given the chance to have their service between April…
A Guide to Behavioural Finance
A Guide to Behavioural FinanceDownload This article is for general information only and does not constitute personal financial, tax or legal advice. Tax treatment depends on your individual circumstances and may change in the future. Apex CB Financial Planning…
A Guide to Retirement Income That Lasts
A retirement income plan gets tested by two different things: how markets behave, and how life behaves. This guide covers both — sequencing risk, cash buffers, when to review your plan, and the shocks that have nothing to do with…
7 Key Allowances Worth Using Before the Tax Year Ends
Every 6 April, HM Revenue & Customs resets a whole set of valuable allowances and exemptions – and most of them work on a strict “use it or lose it” basis, with no carrying forward into the following year. It’s…
Understanding the 2026 Inheritance Tax Changes: What the New £2.5 Million Cap Means for Your Estate
Significant changes to inheritance tax rules are taking effect from 6 April 2026, representing some of the most substantial reforms to estate planning in recent years. If you own a business, hold agricultural property, or have investments in AIM-listed shares,…
How to plan for retirement as a small business owner
Running your own business tends to absorb every spare hour and every spare pound, which can make retirement feel like a problem for future you. Research from Which? (1 March 2026) found that people who have spent most of their…