In this tax year end special, Stuart Fleat, Head of Distribution at Transact, is joined by Natasha Walker, Lead Technical Consultant, to share the key planning opportunities anddeadlines advisers need to be aware of before 5 April – effectively the 2 April as the Easter holidays fall early this year.

Together, they cover:

• ISA, LISA and Junior ISA allowances and flexible ISA rules
• Pension annual allowance, carry forward, Money Purchase Annual Allowance considerations, and the  2027 pension changes
• Inheritance tax gifting allowances, Business Property Relief/Agricultural Property Relief updates, and estate-planning implications
• Dividend tax changes, shrinking CGT allowances, and planning for unwrapped assets
• What’s coming soon from Transact: Flexible Reversionary Trusts, chargeable event calculators, and digital improvements
• Key tax year end dates (more info on which can be found in our tax year end guide)

Packed with practical insights, this episode helps advisers prepare clients effectively for a very busy tax year end.

Please see the below summary information from the episode:

• Act early: last working day is 2 April before Easter; flexible ISA replacements must be done by 5 April.
• ISA allowances: £20,000 ISA, £9,000 JISA, and £4,000 Lifetime ISA (check clients nearing age 40). 
• Transact flexible ISA allows in‑year replacement of withdrawals, including adviser/DFM fees. 
• Pension Annual Allowance: £60,000, with carry forward from 3 years — last chance to use 2022/23 £40k AA.
• Exceeding AA triggers a tax charge; scheme pays can be used to settle the charge from the pension. 
• Member pension contributions can reduce adjusted net income and help restore the personal allowance.
• From April 2027, unused pension funds become part of the estate for IHT — review nominations and planning. 
• CGT allowance is £3,000 — opportunity to rebalance or crystallise gains; tools available on Transact.
• Dividend tax increases in April 2026 (10.75% / 35.75%); consider spousal transfers before ex‑dividend dates. 
• Useful tools: gifting log, flexible ISA allowance report, CGT calculator, and chargeable event calculator (2026). 

Listen now and follow on Spotify or Apple Podcasts.

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