What happens when I sell my business? In the UK, selling a business is not simply a transaction. It triggers tax consequences, liquidity decisions, investment planning and often a personal transition. What happens after the sale can shape your financial future more than the deal itself. Behind this question are often deeper concerns: How much will I keep after tax? What should I do with the proceeds? Will I have enough to stop working? What changes once the business is no lon

Should I invest personally or through a company? In the UK, the decision to invest personally or through a company affects tax treatment, access to funds, risk exposure and long-term flexibility. There is no universal answer. The right structure depends on your objectives, time horizon and how the money may be used in future. Behind this question are often practical concerns: Is it more tax-efficient to invest inside my company? Should I extract funds first? Will corporation

What tax do I pay when selling a business? In the UK, selling a business usually triggers Capital Gains Tax (CGT) on the profit you make. The amount payable depends on how the business is structured, whether reliefs apply, and your wider tax position. Behind this question are often deeper concerns: How much of the sale proceeds will I actually keep? Do I qualify for a reduced tax rate? Should I restructure before selling? Can timing affect the tax bill? Understanding the tax

What is an exit strategy? In the UK, an exit strategy is a structured plan for how you intend to leave your business. It sets out how ownership will transfer, how value will be realised, and what happens financially once the sale or transition takes place. Behind this question are often deeper concerns: How do I extract value efficiently? What tax will I pay? When should I begin planning? What happens after I step away? An exit strategy is not simply about selling.It is abou

What does risk profile mean? In the UK, a risk profile is an assessment of how much investment risk is suitable for you. It usually considers your financial capacity for loss, your emotional tolerance for volatility, and your time horizon. Behind this question are often quiet concerns: Is this label accurate? Does it limit my options? What happens if markets fall? Am I being placed into a box? Understanding what a risk profile really represents helps clarify how investment de

How risky are my investments? In the UK, investment risk is not a single number. It depends on what you hold, how long you plan to invest, how much volatility you can tolerate, and what the money is intended to support. Behind this question are often deeper concerns: Could I lose a significant portion of my wealth? Am I taking more risk than I realise? Does my portfolio match my tolerance? What would happen in a severe market downturn? Understanding risk properly often reduce

Investing Explained: A Calm Guide to How Investments Work, Fees, Risk and Long-Term Decisions If you are reviewing your finances in the UK, many questions about investing tend to surface at once. How do investment funds work? What fees am I paying? Should I choose active or passive investing? What happens during a market crash? How often should investments be reviewed? Each of these questions points toward the same underlying concern: Are my investments structured in a way th

What happens to investments in a market crash? In the UK, when markets experience a crash, the value of investments such as shares and funds can fall quickly. The extent of the fall depends on the type of assets held, how diversified the portfolio is, and how long the downturn lasts. Behind this question are often deeper concerns: Could I lose everything? Should I sell before it gets worse? How long do crashes last? Will my retirement be affected? Understanding what actually

What’s the difference between active and passive investing? In the UK, active and passive investing describe two different approaches to managing money. The difference is not simply about cost — it reflects a different philosophy about markets, risk and return. Behind this question are often practical concerns: Should I be trying to beat the market? Are passive funds too basic? Are active managers worth their fees? Does one approach reduce risk? Understanding the distinction

How do investment funds work? In the UK, an investment fund pools money from many investors and spreads it across a range of assets such as shares, bonds or property. Instead of buying individual investments yourself, you own units in a fund managed by professionals. Behind this question are often practical concerns: What am I actually owning? Who makes the decisions? How are returns generated? What risks am I exposed to? Understanding how investment funds work helps you see

What fees am I paying on my investments? In the UK, investment costs are often layered. You may not see a single obvious charge, but several different fees working together. Understanding what you are paying — and what you are receiving in return, can bring clarity. Behind this question are often quiet concerns: Am I paying more than I realise? Are percentage fees adding up? Is this normal? Does cost affect long-term returns? Clarity begins with understanding how charges are

How often should I review my investments? In the UK, there is no fixed rule. Some people check portfolios frequently. Others rarely look at them at all. The appropriate review frequency depends on your goals, time horizon and the role the investments play in your wider financial plan. Behind this question are often quieter concerns: Am I neglecting something important? Should I be more proactive? Is frequent reviewing better? Could I be overreacting to short-term movements? U

Capital Gains Tax and Inheritance Tax Planning in the UK: What You Need to Know When thinking about passing wealth to the next generation, two taxes usually shape the conversation in the UK: Capital Gains Tax (CGT)  and Inheritance Tax (IHT). They operate at different moments. Capital gains tax is usually triggered when assets are sold or transferred .Inheritance tax is usually assessed when wealth is passed on after death . But in practice, the two are closely connected. Dec

What are the rules around gifting money? In the UK, there is no immediate tax simply for giving money away. However, gifting rules are closely linked to inheritance tax, and larger gifts can affect how your estate is assessed if you die within a certain period. Behind this question are usually practical concerns: Is there a limit on how much I can give? Will my family face tax later? Does the seven-year rule apply? Am I allowed to give money regularly? Understanding how gifti

How much inheritance tax will my estate pay? In the UK, inheritance tax (IHT) is charged at 40% on the value of your estate above certain allowances. But the actual amount payable depends on your marital status, property ownership, and how your estate is structured. Behind this question are usually real concerns: Will my family face a large tax bill? Will they need to sell property to pay it? Do I exceed the thresholds? Is planning required now? Understanding how inheritance

How can I reduce capital gains tax? In the UK, capital gains tax (CGT) applies to the profit you make when selling certain assets. While the tax cannot always be eliminated, there are legitimate ways to reduce capital gains tax through allowances, timing and available reliefs. Behind this question are often practical concerns: Can I lower the tax bill legally? Should I delay the sale? Are there allowances I haven’t used? Is there a smarter way to structure this? Understanding

How does capital gains tax work? In the UK, Capital Gains Tax (CGT) is charged on the profit you make when you sell or dispose of certain assets. It is not charged on the total sale price, only on the gain. Behind this question are usually practical concerns: How much tax will I actually pay? Is my home included? Are there allowances? Can I reduce the tax legally? Understanding how capital gains tax works helps you plan sales more carefully. What counts as a capital gain? A c

If you’re thinking about helping your children financially, you may ask: Can I give money to my children tax free? In the UK, you can give money to your children, but the tax treatment depends on the amount, timing, and your wider estate position. The rules are mainly linked to inheritance tax rather than income tax. Behind this question are often deeper concerns: Will this create a tax problem later? Is there a limit I can give each year? What happens if I die after making t

In the UK, inheritance tax (IHT) is a tax on the value of an estate when someone dies. It applies if the estate exceeds certain thresholds. But the rules are often misunderstood, and many people are unsure whether it will affect them. Behind this question are usually practical concerns: Will my family face a large tax bill? Does everything I own count? Can it be reduced? Is it only for the very wealthy? Understanding how inheritance tax works helps separate myth from reality.

Many people eventually reach a quiet financial question: Do I actually need a financial adviser in the UK? — or should I manage this myself? Behind that question are usually deeper concerns: Am I making the right long-term decisions? Could mistakes cost more than advice fees? Is advice genuinely useful, or mostly unnecessary? How do I know who to trust? Understanding what financial advisers do, how they charge, and when advice truly helps can bring clarity before any commitme