Life Insurance & Inheritance Tax in 2025: Protection or Pricey Placeholder?
With inheritance tax (IHT) thresholds frozen and sweeping changes coming into force by 2026 and 2027, more individuals are turning to life insurance as a strategic tool to protect their families and preserve wealth. But is it the right solution for you? At Blacktower Financial Management, we help clients assess not just the cost of […]
Building Your Financial Safety Net: The Emergency Fund Essentials
When it comes to sound financial planning, one of the most powerful tools you can have in your corner isn’t a flashy investment or complex tax structure—it’s a simple, well-stocked emergency fund. An emergency fund acts as a personal financial buffer, protecting you from the unexpected events life can (and often does) throw your way. […]
How Do I Reduce My Inheritance Tax Bill?
This year, the inheritance tax (IHT) collected from families is poised to exceed last year’s record, indicating a growing financial impact for many estates likely to surpass the tax-free threshold. We offer strategies to alleviate this financial burden. Inheritance tax, widely regarded as the UK’s most unpopular tax, might be abolished, a prospect many would […]