The Michelle Sheppard Practice Ltd

22/10/2026

Your pension could play an important role in your retirement plans, but have you considered how it fits into your wider estate planning?

With changes to the inheritance tax treatment of unused pensions due from April 2027, now may be a good time to review how your pension, business and family wealth plans work together.

🔗 https://www.michellesheppard.co.uk/article/detail/sjpp/business-owners-could-new-pension-and-iht-rules-affect-your-succession-plans

The Michelle Sheppard Practice Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 21/10/2026

20/10/2026

Changes to inheritance tax rules could affect how pension wealth is passed on to loved ones.

This article explores what the changes could mean in practice, including where inherited pension funds may be subject to both inheritance tax and income tax, and some of the planning considerations worth discussing.

Read more: https://www.michellesheppard.co.uk/article/detail/sjpp/pensions-and-iht-the-double-tax-trap

The Michelle Sheppard Practice Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 16/10/2026

08/10/2026

With the Budget fast approaching, there’s no shortage of speculation about what could be announced, from potential changes to pensions through to support for first-time buyers.

Explore some of the proposals currently making the news and why staying focused on your long-term financial goals is often the most effective approach.

🔗 https://www.michellesheppard.co.uk/article/detail/sjpp/autumn-budget-2026-with-a-month-to-go-what-lies-ahead

The Michelle Sheppard Practice Limited is an Appointed Representative of and represents only St. Jamess Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 06/10/2026

01/10/2026

Life doesn't always go to plan, and during periods of change it's important to understand the options available to you.

If you own a business, divorce can raise additional questions about ownership, control and long-term financial security. Taking advice early can help you make informed decisions and plan for the future.

🔗 Read more: https://www.michellesheppard.co.uk/article/detail/sjpp/divorce-proof-your-business

The Michelle Sheppard Practice Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 22/09/2026

24/09/2026

Could a capital gains tax bill catch you by surprise?

With the annual CGT exemption now significantly lower than it was just a few years ago, more people are finding themselves facing unexpected tax liabilities when selling or gifting assets.

Read on to learn more about:

✔ Why surprise CGT bills are becoming more common
✔ What to do if you get a bill unexpectedly
✔ Simple steps to help avoid unexpected costs in future

🔗 https://www.michellesheppard.co.uk/article/detail/sjpp/the-capital-gains-tax-surprises-that-catch-people-out.html

The Michelle Sheppard Practice Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 14/09/26

The run-up to a Budget often prompts people to think about tax and their finances. While future tax policy remains uncertain, understanding the rules that apply today can help avoid costly surprises. Capital gains tax (CGT) is one area where unexpected bills can arise, particularly as allowances hav...

17/09/2026

From April 2027, most unused pension funds will be included in an estate for inheritance tax purposes. For many families, this could reshape how they think about drawing an income in retirement and passing wealth to future generations.

This article explores the implications of the new rules and why some retirees may face a new dilemma: preserve their pension or spend it?

🔗 https://www.michellesheppard.co.uk/article/detail/sjpp/the-new-retirement-dilemma-preserve-or-spend-your-pension.html

The Michelle Sheppard Practice Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 01/09/2026

04/09/2026

Beating the deadlines: tax dates for business owners

From self-assessment tax returns to Making Tax Digital, business owners face a growing number of tax deadlines and reporting requirements.

This article takes a look at what is coming up:

https://www.michellesheppard.co.uk/article/detail/sjpp/beating-the-deadlines-tax-dates-for-business-owners.html

The Michelle Sheppard Practice Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 28/08/2026

Tax deadlines can be easy to overlook when you're focused on running a business. But missing one can result in penalties, added costs and unnecessary admin. Being proactive and staying ahead of tax dates can help you stay in control, avoid penalties and focus on running your business.

27/08/2026

Will the April 2027 pensions and inheritance tax changes affect you?

Under the new rules taking effect on 6 April 2027, most unused pension funds will be included when calculating the value of an estate for inheritance tax purposes.

📩 If you’re unsure how the new rules affect you and how much of your wealth you can pass on, get in touch to talk it through, or read more here:

https://www.michellesheppard.co.uk/article/detail/sjpp/how-pension-changes-could-affect-your-inheritance-tax-plans.html

The Michelle Sheppard Practice Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 20/08/2026

25/08/2026

For many business owners, a large proportion of family wealth is tied up in their business.

That makes succession planning one of the more important financial and strategic decisions they’ll have to make.

Read more about the importance of planning and getting advice:
https://www.michellesheppard.co.uk/article/detail/sjpp/keeping-it-in-the-family-planning-ahead-for-business-succession.html

The Michelle Sheppard Practice Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 20/08/2026

19/08/2026

What happens if you die without a Will in the UK?

If you die without a Will, the rules of intestacy determine who inherits your estate. For unmarried couples, stepfamilies and cohabiting partners, the outcome may not be what you expected.

This article explains the risks of dying without a Will:
https://www.michellesheppard.co.uk/article/detail/sjpp/where-theres-a-will-theres-a-say.html

Will writing involves the referral to a service which is separate and distinct to those offered by St. James's Place. Wills are not regulated by the Financial Conduct Authority.

The Michelle Sheppard Practice Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 17/08/2026

According to the 2025 National Wills Report, 79% of UK adults are comfortable talking about death1. Yet when it comes to considering finances, only 36% of people have made a Will2.. This highlights the uncomfortable gap many of us fall into between discussing and doing.