Reef Financial Consulting Ltd

27/08/2026

New IHT rules for pensions….

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.

24/08/2026

A simple guide to….

There are some practical and legal steps to go through. While these can feel daunting, taking it one step at a time can make things more manageable.

29/07/2026

HMRC increasing IHT investigations

(The link isn’t about football shirts)

Spurs finished 17th in the Premier League last season but they're topping the table for expensive shirts. Read this, a Tesco delivery trick and all today's personal finance and consumer news below.

16/04/2026

Only a snippet of the relevant info, but the pending changes to inheritance tax rules around pensions will impact a lot of people.

Households will get more time to pay overdue council tax - and bills will be over 12 months, not 10. Read this and the rest of today's personal finance and consumer news below.

19/02/2026

For years, owning a portfolio of buy-to-let properties was seen as a reliable way to earn steady income and build long-term wealth. But the landscape has shifted. Rents continue to climb across much of the UK, however, tax changes and rising costs have made it more difficult for landlords to turn hi...

10/12/2025

https://www.reeffc.com/article/detail/sjpp/the-power-of-having-a-tax-plan-in-place.html?j=1034302&sfmc_sub=115469303&l=238_HTML&u=31958355&mid=510006270&jb=11006

With Tax year end fast approaching, we look at how a thoughtful plan can unlock significant financial benefits. We explain how making a tax plan can boost your income, preserve your wealth and prepare for the future.

26/11/2025

https://www.reeffc.com/article/detail/sjpp/the-autumn-budget-2025-topline-announcements.html

25/09/2025

This covers the basics of inheritance tax mitigation, though there are more options and who knows what will change in the budget...

You've worked hard for wealth, so why not protect it? Find out how you can protect your estate, lower your IHT liability and pass on more money to your loved ones.

24/05/2025

https://www.reeffc.com/article/detail/sjpp/when-do-i-need-to-start-saving-for-retirement.html?j=878756&sfmc_sub=115469303&l=238_HTML&u=29120256&mid=510006270&jb=2005

There are two key questions people tend to ask retirement. “How much money do I need?” and “Have I left it too late to start saving?”Both million dollar questions, but ones that many of us don’t seriously consider until we reach middle age. Our 2024 consumer survey carried out by Opinium o...

15/04/2025

A recent breakfast conversation with a client really brought it home to me. She admitted the constant news cycle made her consistently question her portfolio. I get it – the urge to act is human. But as we head into the second quarter, it’s important to remain disciplined and alert to the resili...