AKR Wealth Management Ltd

AKR Wealth Management Ltd Providing clients with expert financial advice and long term peace of mind.

For many people, a pension is one of their biggest assets. From April 2027, it could also become an important inheritanc...
27/08/2026

For many people, a pension is one of their biggest assets. From April 2027, it could also become an important inheritance tax (IHT) consideration. From this date, most unused pension funds will be included when the value of someone's estate is calculated for IHT purposes.

For some families, this will make little difference. For others, especially those with larger pension pots or estates, it could mean that more tax is due and less wealth passes to loved ones.

In the coming months, we’ll publish a series of articles exploring what the new rules could mean for people and their estate-planning decisions.

In this article, we explain what’s changing, who may be affected and some practical steps to consider.

Read more: https://www.akrwealth.co.uk/article/detail/sjpp/how-pension-changes-could-affect-your-inheritance-tax-plans

Achieving a successful handover of your business to a family member typically comes down to three aspects: early plannin...
21/08/2026

Achieving a successful handover of your business to a family member typically comes down to three aspects: early planning (ideally five to 10 years in advance), having a full understanding of the value of the business, plus open communication with all involved parties to ensure fairness.

It’s not just about passing on ownership of your company. Succession planning is also about the future leadership and management of your business. And these things won’t necessarily lie in the same hands.

Read more: https://www.akrwealth.co.uk/article/detail/sjpp/keeping-it-in-the-family-planning-ahead-for-business-succession

With the support of 90% of Labour MPs (349 in total), Andy Burnham has replaced Sir Keir Starmer as the UK’s prime minis...
24/07/2026

With the support of 90% of Labour MPs (349 in total), Andy Burnham has replaced Sir Keir Starmer as the UK’s prime minister for the remainder of this parliament, ending in August 2029 (at the latest). While pledging to do things differently, there are many challenges ahead. We take a closer look at some of the domestic issues the new prime minister may consider priorities.

Read more: https://www.akrwealth.co.uk/article/detail/sjpp/burhams-britain-economic-priorities-to-consider

What happens when one of the world’s most valuable companies isn’t allowed into the S&P 500?SpaceX has become one of the...
22/07/2026

What happens when one of the world’s most valuable companies isn’t allowed into the S&P 500?

SpaceX has become one of the largest companies on the planet. Yet despite its size, it currently doesn’t qualify for inclusion in the US’s flagship stock market index, the S&P 500. Why?

All stock market indices have eligibility criteria which companies must meet in order to be listed on them. These include the size and value of a business (the market cap of a company), as well as having a minimum number of their shares available to be traded publicly.

With a market value just under $2 trillion, SpaceX is one of the 10 most valuable businesses globally. However, only around 7.5% of its shares are publicly trading, and the company is yet to achieve profitability, so SpaceX does not meet the eligibility criteria for some stock indices.

Yet in many ways SpaceX is no ordinary company. Its scale, profile and the level of investor interest surrounding its listing make it difficult for index providers to ignore. This has created an awkward dilemma for stock index providers. Should they stick rigidly to their rules, or change them to reflect the reality of today’s market?

If SpaceX entered the S&P 500 at roughly a 4% weighting, funds tracking the index could be forced to buy billions of dollars’ worth of SpaceX shares almost overnight. That buying pressure could push the share price higher still.

Read more: https://www.akrwealth.co.uk/article/detail/sjpp/spacex-and-the-billion-dollar-indexing-dilemma

If you live abroad, there may be many appealing reasons to return to the UK for your later years. But the emotional pull...
20/07/2026

If you live abroad, there may be many appealing reasons to return to the UK for your later years. But the emotional pull – such as wanting to be closer to family or return to a familiar place – should be balanced against the costs of returning home. You will need to weigh up the relative cost of living in the UK and your overall financial position, including the tax rules that apply to returning expats.

If your retirement plans involve sunshine and sandals, moving back to the UK is unlikely to be at the top of your bucket list. But for many, the UK does offer significant advantages. These include the National Health Service, which may be especially valuable to older expats.

Meanwhile, UK savers and investors also benefit from strong consumer protection laws and transparent financial regulation.

And indeed, many people have already been persuaded. In the 2025/26 tax year, 143,000 UK British nationals returned to the UK. Of this group, 12,000 were over-65s, according to the Office for National Statistics1.

If you are considering moving back to the UK, considering a number of different aspects and how they compare in different countries could help clarify your decision.

Read more: https://www.akrwealth.co.uk/article/detail/sjpp/coming-home-to-retire-tax-implications-for-returning-expacts

This summer has given us the biggest World Cup in history, with 48 teams and three host countries. As an avid football f...
17/07/2026

This summer has given us the biggest World Cup in history, with 48 teams and three host countries. As an avid football fan, I have watched as much as I can reasonably get away with, although the late nights have been particularly painful.

One of the things I love about tournaments is how quickly the story can change. A team can look unbeatable in the group stage, only to run out of ideas when the pressure rises. Another can start quietly, grow into the competition and suddenly look like the side nobody wants to face.

Markets are no different. Leadership shifts and yesterday’s winners do not stay on top indefinitely. While markets are currently rewarding ‘momentum’ – that is, stocks that have been outperforming recently – the portfolios that endure are unlikely to be those that simply chase what has worked most recently.

The challenge is to build for the whole tournament. That means having enough exposure to capture opportunity, but enough diversification, valuation discipline and resilience to cope when leadership changes.

Tournaments are a reminder that form can change very quickly. The side everyone is talking about after the first few games is not always the side lifting the trophy at the end. There is always a team that is a front runner and has the momentum in the early stages – think the Netherlands in 1974, Brazil in 1982, even England’s “golden generation” in 2002 and 2006.

The uncomfortable truth, in football and in investing, is that past performance can tell you how a team got here, but not necessarily how far it can go from here. Past performance is no guarantee of continued success.

Read more: https://www.akrwealth.co.uk/article/detail/sjpp/cio-investment-insights-momentum-wins-matches-resilience-wins-tournaments

Does your business rely on the talent or expertise of a key individual? If so, how would it fare if they were no longer ...
17/07/2026

Does your business rely on the talent or expertise of a key individual? If so, how would it fare if they were no longer able to work?

Small to medium businesses in the UK are notoriously underinsured, leaving them exposed to serious risks. For many, the loss of a key person may result in a major risk. However, putting protection in place to cover this risk can help shield your business from financial vulnerability in the event that one of your key people falls seriously ill or dies.

Read more: https://www.akrwealth.co.uk/article/detail/sjpp/could-your-business-survive-losing-its-most-valuable-person

Changes to inheritance tax (IHT) rules which will bring most pensions into scope from next April are changing how people...
02/07/2026

Changes to inheritance tax (IHT) rules which will bring most pensions into scope from next April are changing how people think about retirement planning, with more turning once again to annuities.

For many years annuities have been firmly out of fashion. This followed the introduction of pension freedoms in 2015 which made it much easier for people to take out money from their pension fund, rather than having to buy an annuity. The low interest rate environment of recent years also made annuities less attractive.

That picture is now starting to shift. Demand for annuities has picked up again in recent years, with sales returning to levels not seen since before pension freedoms.

There are a number of reasons why more people are choosing to use their pension pots to buy annuities. As well as offering a guaranteed income, in some cases, they can also reduce the size of your estate for IHT purposes. Meanwhile, rising interest rates have led to higher annuity rates, making them yet more attractive.

Read more: https://www.akrwealth.co.uk/article/detail/sjpp/the-axable-benefits-of-buying-an-annuity

A place in a nursing home can cost £1,267 a week or even more1, and anyone with significant assets won’t qualify for sta...
01/07/2026

A place in a nursing home can cost £1,267 a week or even more1, and anyone with significant assets won’t qualify for state support. As we are all living longer, it is something more of us will need to consider and plan for in later life.

Our guide explores who qualifies for help towards social care and care home costs. It also looks at the complex rules around gifting assets and how this is viewed under the means test for care fees.

Read more: https://www.akrwealth.co.uk/article/detail/sjpp/can-i-gift-assets-to-avoid-paying-care-home-fees

Unmarried co-habiting couples could benefit from increased financial security under government proposals set out in a ne...
19/06/2026

Unmarried co-habiting couples could benefit from increased financial security under government proposals set out in a newly launched consultation.

The government this week announced a number of planned reforms that could bring unmarried couples in line with their married counterparts if introduced. These include allowing qualifying cohabiting couples to inherit in the same way as a spouse or civil partner – in terms of how much and their position in the order of entitlement.
The proposals also include new rights for unmarried couples who separate. Providing they have lived together for at least three years – or have children together – they would have similar rights to divorcing couples, such as claims on property and pensions.

Meanwhile, pre-nuptial agreements could be made legally binding, to allow couples to agree ahead of marriage how they wish their finances and assets to be handled in the event of divorce.

The government has opened the consultation and is seeking views on its proposed changes from the public. It will close on the 14 August 2026.

Read more:

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