02/02/2026
DPS Newsletter Jan/Feb 2026
Welcome to our first issue of the new year. Have you set your New Year's financial resolutions? The key is to make them specific and measurable. To help you get started, we have suggested some financial resolutions for 2026 to consider, all of which are realistic, achievable and easy to track. Life is rarely static. In a climate of economic change, keeping your financial plan relevant is more important than ever. If you've experienced a significant life event, such as inheriting money, selling a business or separating from a partner, on page 06, we discuss why it's vital to consider how it can impact your finances. A plan that was suitable last year might no longer fit your current situation.
An Individual Savings Account (ISA) enables you to save or invest money in a tax-efficient manner. It serves as a protective wrapper for your savings and investments, shielding them from tax. The ISA allowance resets each year and must be used within that year; it cannot be carried over. Have you maximised your ISA contribution allowance in this tax year? Turn to page 03.
Passing wealth to the next generation remains a common goal for many individuals. However, navigating the complexities can be daunting, leaving some uncertain about how to transfer their wealth in the most tax-efficient way. With tax thresholds currently frozen and potential future changes on the horizon, on page 10, we explore why more people are understandably concerned about their financial future and are seeking professional advice to protect their legacy.
As the 2025/26 tax year ends on 5 April, now is an ideal time to review your pension arrangements and ensure you're maximising all available allowances. Taking proactive steps in pension planning now can help you secure valuable tax relief, enhance your retirement fund and prepare for the future. Acting before the deadline allows you to fully utilise the rules before the new tax year begins, helping you avoid missing out on potential benefits. Read the article on page 04.
A complete list of the articles featured in this issue appears on page 02.
Wealth planning tailored to your future
We hope you find this issue insightful and offers fresh perspectives on topics you may be exploring. Our goal is to ensure every aspect of your financial wellbeing aligns seamlessly with your life goals, family priorities, and future aspirations. If you'd like to learn more or schedule a meeting, we’d be happy to assist. Please get in touch with us.
Yours sincerely,
David & David
