Industry news and views from Panacea and our partners.
Tax, Trust & ISA_
M&G: Trusts School Remaining Sessions
There's still time to join the remaining sessions in M&G's Trusts School series. Build confidence in trust planning conversations with practical guidance, technical insights and CII-accredited structured CPD. The series runs until 16 July 2026.
M&G: Trusts School Session 3 reminder
Join Session 3 of our Trusts School series to explore key trust types, when to use them, and the pitfalls advisers need to watch for.
Schroders: 2026 UK Adviser Pulse Survey: Navigating opportunity in a more uncertain world
Insights from our latest Adviser Pulse Survey show how firms are navigating higher volatility through resilient portfolios, broader diversification, and greater focus on tax and estate planning advice.
M&G: Trusts School Events
Build your confidence in advising on trusts with M&Gs 6-part Trusts School (11 June 16 July). Join expert-led sessions, earn up to 420 minutes of CII CPD, and gain practical insights you can apply immediately. Learn more and sign up here
M&G: Trusts School Events
Build your confidence in advising on trusts with M&Gs 6-part Trusts School (11 June 16 July). Gain practical insights you can apply immediately, join live Q&As, and earn up to 420 minutes of CII-accredited structured CPD
M&G: Onshore or offshore? Making sense of Insurance Bonds
Thursday 21 May 10am Insurance bonds are firmly back on advisers radar but do you fully understand where they add the most value today? Join M&G for their upcoming technical session where theyll cut through the noise and take a practical look at how insurance bonds can be used more effectively in client portfolios.Register here
M&G: Offshore bonds taxation explained
Offshore investment bonds are widely used in tax and estate planning, but understanding how and when theyre taxed is key. This article explains how offshore bonds are treated for UK tax purposes, including how gains are assessed and the main reliefs that may be available. Read article here
Fidelity Adviser Solutions: Rewriting the rules: pensions and inheritance tax
Inheritance tax rule changes for unused pensions mean that advisers may need to review retirement income strategies for their clients. Fidelity Adviser Solutions article and guide explore the practical challenges, opportunities and trade offs involved in running down pension assets, managing surplus income and effective estate planning strategies for future generational planning needs. 3-minute read
M&G: Planning with pensions in the IHT net - a case study
On Demand Event - Join Les Cameron, Head of Technical at M&G, as he works through a real life case study on the effects of pensions being brought into the IHT net and, more importantly, what you may want to do about it.
M&G: Onshore or offshore? Making sense of insurance bonds
21 May. With the increasingly harsh environment for tax-exposed investments, more and more planners are recommending insurance bonds to deliver outcomes for their clients. Structured CPD accredited by CII
M&G: One ISA. Make the most of it
The Prudential ISA provides access to the PruFund range - a diversified, actively managed multi?asset solution designed to support long?term growth while aiming to manage volatility. It offers a tax?efficient wrapper to help keep clients invested.
M&G: Smooth market wobbles with Prufund using the Individual Smoothing Account
Clients often accumulate multiple ISAs over time - and that can mean more complexity for them, and more administration for you. The Prudential ISA makes consolidation simpler, See how it works in our short video.
M&G: Tax Year End - we've got you covered
Our Tax Year End hub on our award-winning Tech Matters site puts everything you need in one place, so you can move from insight to action quickly. Alongside our regular emails over the next few weeks, you'll have everything you need to demonstrate to clients the true value of advice.
M&G: Paraplanners Assembly 2026: Tune up your tax year end to-do list
Mark Devlin joined host Richard Allum for a practical run through of everything paraplanners needed to consider ahead of tax year end.
M&G Wealth: 2025/2026 Tax Year End
19 February - In this session, Senior Technical Manager Mark Devlin will run through the most common questions advisers are asking, as well as taking a closer look at the various allowances and exemptions.
Wealthtime & Technical Connection: Essentials of Tax Year End planning
24th February - Considering the last two Budgets, well focus on what really matters now for financial advisers, and how you can turn a period of complexity into clear, practical advice for your clients.
M&G Wealth: Tax Wrapper Comparison Tool
Weve updated our Tax Wrapper Comparison Tool with the recent budget changes. It lets you compare GIAs, onshore and offshore bonds side by side - helping you decide the right recommendation for your client.
Fidelity Adviser Solutions: Tax year end planning tools and resources
With the tax year end approaching, why not check out Fidelity Adviser Solutions' dedicated web hub? It contains everything you need at this busy time of year, including all the tools and resources that can help with managing client accounts. It also contains tips on avoiding delays, tax planning insights, client report management and the latest tax tables.
M&G Wealth: Tax Year End Hub - your go to resource
Our Tax Year End hub on our award-winning Tech Matters site puts everything you need in one place, so you can move from insight to action quickly.
Fidelity Adviser Solutions: Labours no choice tax-raising Budget
Last week, Rachel Reeves outlined her plans to raise revenue and fund public spending - but how might the new measures affect your clients' finances? Fidelity's Tom Stevenson shares his take on the key themes and their potential impact on your clients' finances.
Fidelity Adviser Solutions Webinar: Financial planning considerations at tax year end
The end of the tax year is always a critical time for advice practitioners and 2026 could bring significant changes following the Government Budget announcement. Are you ready to navigate whats new and whats next? Join Fidelity experts Paul Richards, Paul Squirrell, and Jon Hale on 22 January 2026 for an exclusive 45-minute session designed to help you deliver the best outcomes for your clients.
PruFund as an Income Engine
The purpose of this guide is to highlight how the PruFund range could be used for providing income to a client from different tax wrappers. Its not designed to make specific recommendations. The guide assumes an investment in PruFund in totality where its used, whereas in practice it may be part of an ongoing strategy alongside other investments.
M&G Wealth: Inheritance Tax on unused pension funds and death benefits
On October 30 2024 during the Autumn Budget it was announced by Chancellor Rachel Reeves that there would be a consultation on how to place discretionary pension schemes into the IHT net.
Fidelity Adviser Solutions: Update: Unused pension funds and inheritance tax
HMRC issued their response on 21 July 2025 to the Government's draft legislation and subsequent consultation on the liability. Paul Squirrell, Fidelity Head of Retirement and Savings Development, provides an update on the main changes announced within this response along with a reminder of the proposals originally laid out.
Charles Stanley AIM Inheritance Tax Service Q2 2025 Update
The months following the budget have been a particularly difficult period for AIM shares; however, over the past few weeks we have seen a revival for many of our stocks.
Quilter: You know better than anyone how valuable tax savings can be for your clients
With the latest tax rules fundamentally changing the financial landscape, your advice is now more valuable than ever. Discover support to help you maximise the opportunity to save tax for your clients.
M&G wealth: Inheritance Tax planning in a post budget world
Les Cameron (Head of Technical, M&G) takes a takes a look at the new IHT landscape and the key options for mitigating a liability - gifting or relief. Or both?
Fidelity Adviser Solutions: UFPLS withdrawals and the annual allowance tax charge
Paul Squirrell, Fidelity Adviser Solutions pension expert, answers a question raised via our Pension Forum. He considers whether an annual allowance tax charge applies to contributions made to a clients pension in the same tax year as an UFPLS withdrawal was made. In this example, the contributions were in excess of the MPAA.
M&G Wealth: Pensions, death and tax
10am - 23 Jan 25. In this session, Les Cameron (Head of Technical, M&G) takes a walk through the pension death benefit landscape where we've been, where we are right now, and what the future may hold.
Fidelity Adviser Solutions: New retirement training video support
If you are studying for the CII exams or need a refresher, Fidelity Adviser Solutions have a series of new videos related to the three new allowances replacing the LTA, the transitional tax-free amount certificate and transitional protections - fixed, individual, primary and enhanced. They also have a new video giving an overview of death benefits.
M&G Wealth: Les Camerons Big Fat Quiz of the Year
12 Dec 2024. Every year, M&Gs Technical Team answer thousands of questions from advisers and paraplanners across the full financial planning spectrum.
IFA letter of the week. Budget or Starmer Harmer?
As an IFA and having spent years running a business under the cosh of the regulatory framework whilst also trying to save for retirement, the latest budget was a just a kick in the teeth.
Fidelity Adviser Solutions: Autumn Budget key takeaways for Financial Advisers
Ever since Labour returned to power in July, there has been endless speculation on the areas that may be in the Chancellors sights, which caused many individuals to consider pre-emptive action to avoid possible tax hikes.
LV= Tax-efficient investing: why bonds should be on your radar
Accessing tax-efficient investment options for your clients is more complex than it used to be, so where can you turn? In this webinar LV= will explore what makes the onshore bond such an effective tax planning tool. They will share the latest Smoothed Managed Funds performance, and provide a recap of their recent enhancements to their charges and fund size discounts.
Tax wrappers: a summary of key differences (30 minutes)
A summary of some of the wrappers available to investors to maximise tax-efficient returns.
Tax-efficient investment planning (30 minutes)
A summary of the order of taxation on earnings, and its implications for savings in the pre- and post-retirement.
Individual Savings Accounts a guide to ISA investing (45 minutes)
ISAs offer a tax-efficient way to save and invest; find out what they are and how they work
Fidelity Adviser Solutions: Tax planning opportunities for the current tax year
New and increased allowances represent an opportunity for some clients while actions may be required to safeguard other tax breaks. Fidelity Adviser Solutions have pulled together ideas to focus on, including replacement of the LTA, State Pension credits gaps, capital gains tax planning and much more. weve set out your complete guide to helping clients save in the most tax-efficient manner.
M&G Wealth: Transitional Tax Free Amount Certificates
The Lifetime Allowance was replaced with three new allowances from 6th April 2024. Benefits taken under the LTA regime use up the new allowances. A Transitional Tax Free Amount Certificate allows a bespoke client deduction from the LSA and LSDBA instead of the standard transitional deduction.
Fidelity Adviser Solutions: Investing beyond pensions and ISAs
If a client has money to invest but theyve already made full use of their pension and ISA allowances, what should they do next? This is something of a conundrum it isnt as simple as a bond versus a collective. As Fidelity Paul Squirrell shows within this article, a lot depends on the rate of tax the client pays over the course of the investment as well as the rate they pay at the end.