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Tax year end planning tools and resources

Welcome to your one-stop resource for everything tax year end related. Access tools, reports, and guidance to help you maximise pension and ISA allowances, plan for both tax years, and stay ahead of deadlines. Explore the hub now and access the support that helps you deliver the best outcomes for your clients.

Watch Fidelity’s experts – Paul Richards, Paul Squirrell, and Jon Hale – in this 45-minute discussion as they unpack the latest developments in retirement and tax planning. They cover key changes and what’s ahead for pensions, ISAs, and CGT, explore estate planning implications, and share practical tips for managing tax year-end tasks on our platform.

00:44 – Savings & retirement: What’s really changed?
01:54 – Pension confidence and the salary sacrifice cap
02:50 – Pension funding technical support
04:06 – Practical decumulation strategies
05:55 – Additional Budget points for tax year end planning
07:44 – ISA reform: What’s coming and when
10:15 – Adviser priorities on ISA changes
12:42 – Investing beyond pensions & ISAs
16:15 – Efficient asset holding & transfers
17:47 – Managing Capital Gains Tax effectively
19:50 – IHT: The new planning landscape
21:20 – Actions to take ahead of IHT changes
21:50 – Expression of Wish: Reviewing & updating
25:00 – New rules for Personal Representatives (PRs)
27:25 – Rethinking disinvestment hierarchies
28:33 – Why IHT changes transform planning
30:35 – The role of annuities in future planning
31:56 – Impact on adviser remuneration models
32:32 – Key takeaways

Paul Richards and Paul Squirrell break down the key announcements from the latest Budget. From pensions and ISAs to personal taxation and inheritance rules, this discussion highlights what’s changed, what hasn’t, and the practical steps advisers should take now.

This summary covers the key changes that matter for financial planning - ISAs, pensions, tax thresholds, inheritance rules, and investment reliefs. It also explores the tax implications across different client scenarios and wrappers for the current tax year as well as for changes coming in April 2026 and April 2027.

2025/26 tax tables

All the rates and thresholds in one place.

Does saving into a pension still make sense?

Here we explore the impact of the 2027 IHT rules, busts common myths, and shows why pensions remain one of the most tax-efficient ways to plan for retirement.

Online facility for stock transfers between Investment Accounts

Here we highlight the information available that can assist with pension planning for your clients, and consider some actions you can take to speed up payments of PCLS and taxable income.

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.

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.

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.

The Pension Forum

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

Creating retirement income for your clients

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

Help and support

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

Flexible Investment and Retirement Solutions

Tailor and control retirement strategies using different investment approaches within the same pension account.

Client management

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

Adviser fees

A transparent and flexible approach to charging.

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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