A new tax year means a fresh set of allowances, and the earlier you put them to work, the harder they work for you. In this episode of clarityON, Angus Jones (CEO & Chartered Adviser) and Jess Lelew (Paraplanner) walk through the key planning opportunities for 2026/27, from ISAs and Pensions to Capital Gains Tax, Inheritance Tax, and beyond.

What we cover:

• Why acting at the start of the tax year pays off, and how compounding makes timing matter more than most people realise
• ISAs: making the most of your refreshed £20,000 allowance, Junior ISAs, and the Bed & ISA strategy
• Pensions: the extraordinary tax relief available, carry forward, and salary sacrifice
• The hidden tax traps around £60,000, £100,000 and £125,140, and how pension contributions can neutralise them
• Capital Gains Tax: using your annual exemption systematically from day one
• Inheritance Tax: the gifting allowances that reset every April, and the 'normal expenditure out of income' relief most people have never heard of
• VCTs and EIS: tax-efficient options for those who have already maxed the basics
• A practical April action plan to get organised now, not in March

Whether you're reviewing your financial plan for the year or hearing some of these strategies for the first time, this episode is your starting point for a more tax-efficient 2026/27.

Download our Tax Year Planning Guide 2026/27

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Get in touch: enquiries@clarityglobal.com

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Performance Disclaimer:

Past performance is not an indication of future performance. The value of your investments can go down as well as up.

Legal Disclaimer:

Please note that any opinions, analyses, or reviews provided on the podcast are those of the author alone.

All content reflects our opinion at a given time and can change as time progresses. All information should be taken as opinion and therefore should not be misconstrued for professional or legal financial advice.

clarity makes no representations as to accuracy, completeness, or suitability of any information and will not be liable for any errors, or omissions in this information.

Please contact your financial adviser if you require further support or assistance with any of the topics raised.

From April 2027, pensions will be brought into the Inheritance Tax (IHT) net for the first time, arguably the biggest change to pension planning in over a decade. In this episode of clarityON, Executive PA Carrie Hughes sits down with Senior Adviser Naomi Kewell to break down what's changing, why it matters, and what you should be thinking about now.

What we cover:

• What's changing: Unused pension funds will count as part of your estate for inheritance tax purposes, potentially subject to 40% IHT.
• The double tax hit: Die after age 75 and beneficiaries could face both IHT and income tax (up to 67% combined in some scenarios.)
• Who's affected: Anyone whose total estate (including pensions) exceeds £650,000 to £1 million as a couple.
• Real-world impact: How this could create an additional tax bill for families who previously wouldn't have paid any inheritance tax.
• Planning strategies: Why some people should act now while others might be better waiting, including gifting strategies and surplus income planning.

This episode scratches the surface of this complex area. clarity and Mishcon de Reya clients can attend an in-depth event on Wednesday 22nd April covering detailed case studies and specific strategies with clarity’s CEO and Founder, Angus Jones and Legal Director, Katie Doyle from Miscon de Reya. If you would like to register for this event, please send an email to enquiries@clarityglobal.com

Need to understand how the 2027 changes affect you? Book your free consultation or email enquiries@clarityglobal.com.

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Book Your Free Consultation

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LinkedIn
Facebook
YouTube

Performance Disclaimer:

Past performance is not an indication of future performance. The value of your investments can go down as well as up.

Legal Disclaimer:

Please note that any opinions, analyses, or reviews provided on the podcast are those of the author alone.

All content reflects our opinion at a given time and can change as time progresses. All information should be taken as opinion and therefore should not be misconstrued for professional or legal financial advice.

clarity makes no representations as to accuracy, completeness, or suitability of any information and will not be liable for any errors, or omissions in this information.

Please contact your financial adviser if you require further support or assistance with any of the topics raised.

We all like to think we're rational when it comes to money, but the truth is, our brains can be our own worst enemy when making investment decisions. In this episode of clarityON, Investment Director Glyn Bolton and Investment Manager David Eve explore the fascinating world of behavioural finance and reveal how psychological biases cost investors dearly - sometimes to the tune of hundreds of thousands of pounds over a lifetime.

What we cover:

• The bias blind spot: Why even experienced investment professionals aren't immune to cognitive biases, and how Morningstar's research shows that high bias levels can cost investors 1.5% per year in returns.
• Loss aversion: Why we feel losses 2.5 times more strongly than gains, and how this leads us to hold onto bad investments while selling winners too early.
• FOMO and herding behaviour: From the dot-com bubble to Bitcoin and Nvidia, why buying what "everyone else" is investing in usually means you're buying near the top.
• Overconfidence: The Dunning-Kruger effect in action—why the most overconfident investors rarely recognise they have a problem, and how even professional fund managers fall into this trap.
• Action bias: Why doing nothing is often the smartest move, and how missing just the 10 best days in the market can cut your returns in half.
• The real cost: How behavioural mistakes can mean the difference between retiring with £450,000 or £750,000—a £300,000 gap caused by emotions rather than market performance.
• The value of advice: Why Royal London's research shows advised individuals accumulate 23% more wealth, and how behavioural coaching accounts for half of the value a financial adviser provides.

Glyn and David share real-world examples, debunk common investment myths, and provide a practical "red flag checklist" to help you spot when your biases are influencing your decisions.

Whether you're a seasoned investor or just starting out, this episode will help you understand the psychological traps that derail even the smartest people—and how to avoid them.

Need help managing your investment psychology? Book your free consultation or email enquiries@clarityglobal.com.

Our Website
Book Your Free Consultation

Instagram
LinkedIn
Facebook
YouTube

Performance Disclaimer:

Past performance is not an indication of future performance. The value of your investments can go down as well as up.

Legal Disclaimer:

Please note that any opinions, analyses, or reviews provided on the podcast are those of the author alone.

All content reflects our opinion at a given time and can change as time progresses. All information should be taken as opinion and therefore should not be misconstrued for professional or legal financial advice.

clarity makes no representations as to accuracy, completeness, or suitability of any information and will not be liable for any errors, or omissions in this information.

Please contact your financial adviser if you require further support or assistance with any of the topics raised.