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Welcome to our latest issue, featuring articles written to help you make the most of your hard-earned money and achieve your long-term financial security. Each tax year, we are given an annual Individual Savings Account (ISA) allowance. Anyone wishing to utilise their allowance should do so before the deadline on Wednesday 5 April 2017. The date marks the end of the 2016/17 tax year. It is a ‘use it or lose it’ allowance, meaning that if you don’t use all or part of it in one tax year, you cannot take that allowance over to the next year. On page 06, we consider your options.

The UK’s decision to leave the EU has left over two million people planning to change their retirement plans according to findings from a survey by LV= that commissioned Opinium Research. It’s undoubtedly a thought-provoking time for many approaching retirement, and it means it’s even more difficult for retirees to know what is right for them. On page 08, we consider the importance of having access to professional financial guidance and regulated financial advice at a time when you are deciding how you will receive an income for the remainder of your life.

Under the new Inheritance Tax (IHT) rules, more estates are likely to pass free of IHT post – 5 April 2017. By 5 April 2021, some estates worth £1 million will pass free of IHT. This is the good news, but it’s far from the whole picture. For many, in particular the childless, the IHT could in fact (with the effect of inflation) be higher post–5 April 2017. Turn to page 11 to see how the new rules could impact on you and your family. The full list of the articles featured in this issue appears opposite.

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