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Tax year end planning tools and resources

Tax planning considerations following Labour’s first Budget

To help you prepare for the upcoming period and ensure good client outcomes, Fidelity’s Paul Richards, Paul Squirrell and Jon Hale consider all the implications for retirement and tax planning. The panel reflects on what has changed or is about to change and, importantly, what has stayed the same, in areas such as pensions, ISAs and capital gains tax. Finally, they run through how to quickly identify and practically manage any required actions on our platform.

45-minute watch
Video chapters – navigate easily to your area of interest
Autumn budget postcard

Reflections on the Autumn Budget 2024 for financial planners

As we enter 2025 and as the tax year end approaches, Fidelity's Paul Squirrell reflects on one of the most talked about Budgets in recent memory and consider the implications for financial planning.

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Autumn Budget 2024 – key takeaways

Chancellor Rachel Reeves delivered the much-anticipated first Budget of the new Labour government on 30 October, outlining her plans to plug the £22 billion ‘black hole’ in the nation’s finances. Fidelity's Paul Richards and Paul Squirrell got together to examine exactly what’s changed – and what hasn’t changed – in areas such as pensions, ISAs and capital gains tax. They also consider inheritance tax and pensions and what the Chancellor’s proposals means for estate planning.
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A checklist: Meeting the requirements of the Consumer Duty

Ensuring all the requirements of the Consumer Duty are met is an ongoing obligation for firms as is documenting the review process. To assist firms with this task, we’ve worked with Thistle Initiatives, an award-winning compliance consultancy, to produce a checklist that covers all the various aspects of the Duty. The checklist can be completed electronically and downloaded as a record of the review process.

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Helping clients save in the most tax-efficient way is one of the principal ways advisers add value. Here, we look at a number of ways you can help your clients maximise their tax breaks.

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2024/25 tax tables

All the rates and thresholds – includes the Autumn Budget 2024 update.

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Pensions – still the first port of call for retirement savings

Paul Squirrell explains why pensions should still be the starting point for clients saving for their retirement.

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Help your clients to maximise valuable ISA tax benefits

Identifying clients who could potentially benefit from moving unwrapped assets into an ISA is a straightforward process with our reporting services. Plus we give some tax-efficient fee funding tips.

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Investing beyond pensions and ISAs

A client has money to invest but they have already made their pension contributions and used up their ISA allowance. So, what should they do next?

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The LTA replacement regime explained

With the lifetime allowance replacement now in force, Paul Squirrell explains why this is good news for clients saving for their retirement.

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Transitional tax-free amount certificates

Where clients accessed their pension prior to 6 April 2024 and used part or all of their LTA, they have the option to apply for a certificate providing them with additional allowances.

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Pension contributions checklist

Our checklist is designed to highlight important considerations for clients making pension contributions. While there is no limit to the amount that can be saved into pensions each tax year, there is a limit in respect of the contributions that can potentially receive tax relief.

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The Pension Forum

Paul Squirrell, our pension expert, answers technical questions which routinely come up. You can also submit questions you may have.

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Technical matters

A range of technical insights on retirement, tax planning and regulatory updates.

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Creating retirement income for your clients

Here we present insights and ideas on ensuring a client’s income lasts a lifetime.

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Help and support

Answers to the most commonly asked questions by users of our platform.

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All aspects of your clients’ accounts managed through our secure online product administration system.

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Adviser fees

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The value of investments and the income from them, can go down as well as up, so clients may get back less than they invest. The value of benefits depends on individual circumstances. The minimum age clients can normally access their pension savings is currently 55, and is due to rise to 57 on 6 April 2028, unless they have a lower protected pension age. Different options may have different effects for tax purposes, different implications for pension provision and different impacts on other assets and financial planning.

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