Kellands Winter Newsletter 2025: key year-end planning tips & financial insights
Check out the Kellands Winter Newsletter 2025 for practical year-end tax planning tips, guidance on inheritance discussions, insights on market timing, and the latest on VAT changes to private school fees. Read now for clear, valuable financial advice.
As we head towards the end of the 2025/26 tax year on 5 April 2026, now is a great time to take stock of your finances. A quick review can help you make the most of your allowances and reliefs before they reset in April – and potentially save you money in the process. On page 09, we’ve highlighted five practical areas to look at before the deadline. A little early planning around your ISAs, pensions and estate arrangements can go a long way towards strengthening your long-term financial position.
We also tackle topics many people prefer to avoid: death, money and inheritance. Despite being facts of life, they’re discussions that often feel uncomfortable – and that hesitation can create real problems later on. With more estates falling into Inheritance Tax (IHT) and an increase in Will-related disputes, learning how to approach succession planning has never been more important. You’ll find helpful guidance on page 13.
Another feature looks at the challenge of trying to “get the timing right” when investing. While buying low and selling high sounds simple, even seasoned professionals struggle to predict short-term market movements. Emotions and headlines often do more harm than good. On page 12, we explain why history shows that market timing usually leads to missed opportunities rather than better returns.
We’ve also included an update on the introduction of 20% VAT on private school fees, which took effect on 1 January 2025. It’s a significant change that has reshaped the financial picture for many families with children in independent education. On page 07, we explore how thoughtful cash-flow planning can help you retain control, maintain flexibility and protect longer-term goals.
With the festive season on the horizon, we hope you find a moment to enjoy this edition of Independent News. There’s plenty more inside – useful insights, planning ideas and updates we think you’ll find both interesting and helpful. Simply click on the link below to read or download.
If any of the topics raise questions, or if your circumstances have changed and you’d like to talk through your financial plans, we’re always here to help. Just get in touch.
Download Kellands winter newsletter 2025