Welcome to the latest issue of our digital financial magazine, ESmartMoney. You may not have noticed (if you’re living in a coal mine), but 2025 has been a bit of a year so far, and knowing where to turn, and what to do next has been a bit more of a challenge this year than for quite some time, and it isn’t as if previous years have been easy!
Whether it’s changes in the political world order, or how trade routes run and tariffs (thank you Mr Trump), restrictions to IHT planning through reductions to the amount that can be held in exempt investments, or the impending inclusion of pensions in your estate for inheritance tax purposes, it does rather feel as if there are no safe places any more.
However, whilst it is definitely true that life is complicated, there are still planning opportunities available, with, perhaps paradoxically, the most important being the opportunity to plan. Most people don’t review their finances or have a financial strategy for the future, so whether you’re looking to optimise your investments, or pass assets to your family, a good financial plan is a key building block to help you succeed. Knowing how much you need allows you to think about how much you can help family whilst you’re alive.
Whether it’s a insight into how global tariffs might affect stocks, or looking to plan for future generations, this issue of E-Smart Money is available to download, read it now.
