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Inheritance Tax (IHT) is a significant consideration for high-net-worth individuals (HNWIs) in the UK. With IHT thresholds frozen and property values and investments rising, more estates are being drawn into the tax net. Careful planning is essential to protect your wealth and ensure your loved ones inherit as much as possible. In this comprehensive guide, we’ll cover the current IHT rules as of March 2025, key exemptions and reliefs available, and effective strategies for minimizing IHT liabilities. We’ll also discuss the role of ISAs and Innovative Finance ISAs (IFISAs) in estate planning – including how easyMoney’s property-backed IFISA could form part of a diversified IHT planning strategy. All information is presented in a professional, informative manner suitable for sophisticated investors, and adheres to Financial Conduct Authority (FCA) guidelines (note: this article is for information only and not personal financial advice).

Wealth preservation is a fundamental goal for investors, particularly high-net-worth individuals and those planning for financial security over the long term. The ability to grow and protect assets while mitigating risk is key to maintaining financial stability across generations. However, inflation, taxation, and market volatility can erode returns over time. 

One of the most effective tools available to UK investors for long-term wealth preservation is the Individual Savings Account (ISA). ISAs offer tax-free growth, income protection, and flexibility, making them an indispensable part of a structured financial strategy. With several different types of ISAs available, investors can tailor their portfolios to meet specific objectives while shielding their wealth from taxation. 

This article explores why ISAs are a cornerstone of wealth preservation, how they compare to other investment vehicles, and why they remain an essential tool for financial planning.  

With the April 5th tax year-end deadline fast approaching, investors have only a short window left to maximise their tax-free allowances, reduce liabilities, and position their portfolios for long-term success. Many of the most valuable tax-efficient investment opportunities reset annually, meaning that any unused allowances will be lost if not utilised before the cut-off date. 

For those looking to make the most of the final weeks before the tax year closes, this checklist outlines five essential actions to take to ensure that no tax-free benefits go to waste. 

With the Spring Statement scheduled for 26 March 2025, investors across the UK are anticipating potential changes to tax policies, ISA allowances, and broader fiscal measures that could shape their investment decisions for the year ahead. As the government seeks to balance economic growth with fiscal responsibility, high-net-worth and sophisticated investors should be preparing for possible adjustments that could impact their savings, investments, and long-term financial planning. 

For those investing through an Innovative Finance ISA (IFISA), understanding the potential shifts in economic policy is key to staying ahead of the market and maximising tax-efficient investment opportunities.  

With the April 5th tax year-end approaching, now is the time for investors to review their financial position, maximise tax-free allowances, and ensure their investment strategy is working efficiently. The tax system provides several valuable incentives for those who take action before the deadline, but many unused allowances do not roll over—they are lost permanently once the new tax year begins on April 6th. 

For savvy investors, taking a structured approach to tax planning can enhance returns, minimise liabilities, and build long-term wealth tax-free. This guide outlines the key actions to take before the deadline and explores how an Innovative Finance ISA (IFISA) can play a crucial role in tax-efficient investing.  

For high-net-worth individuals (HNWIs), tax efficiency is a fundamental pillar of wealth preservation. With income tax, capital gains tax, and dividend tax all eroding investment returns, strategic asset allocation and intelligent tax planning are critical to maintaining and growing capital over the long term. 

One of the most underutilised yet highly effective tools in tax-efficient investing is the Innovative Finance ISA (IFISA). While often overlooked in favour of traditional ISAs, an IFISA provides a unique combination of tax-free growth, attractive target returns, and asset-backed security—a compelling proposition for investors seeking stable, long-term wealth accumulation. 

With the April 5th tax year-end approaching, high-net-worth investors should be evaluating their portfolios to ensure they fully utilise their annual ISA allowance, protecting more of their wealth from taxation while maximising long-term, tax-free gains.  

For high-net-worth individuals (HNWIs) and sophisticated investors, navigating the intricacies of the UK tax system is essential for wealth preservation and growth. The higher your income, the more likely you are to face diminishing returns due to escalating income tax rates, withdrawal of personal allowances, and other tax burdens. With careful planning and the right financial tools, you can optimise your tax efficiency while staying compliant with HMRC regulations.

This guide explores tax strategies for high earners, focusing on how to mitigate the impact of higher income tax rates, utilise tax-efficient investment vehicles like the Innovative Finance ISA (IFISA), and make the most of your financial resources in 2025.

As the April 5th tax year-end deadline approaches, investors have a crucial opportunity to review their financial position and take steps to maximise tax efficiency, preserve wealth, and avoid unnecessary liabilities. For those who take a proactive approach, the final weeks before the deadline can be used to optimise contributions, utilise allowances, and structure investments more effectively. 

With a range of tax-efficient investment vehicles available—from ISAs and pensions to capital gains and dividend allowances—the smartest investors use this time to ensure they are fully capitalising on every opportunity before the slate is wiped clean on April 6th.  

For investors using an Innovative Finance ISA (IFISA), flexibility is an essential feature that allows for more control over funds while still benefiting from the ISA’s tax-free advantages. However, many investors may not realise that withdrawals from a Flexible IFISA must be replaced before April 5th to retain their tax-free status. 

With the tax year-end fast approaching, those who have withdrawn funds earlier in the year still have time to replace those amounts before the deadline, ensuring they do not lose part of their annual ISA allowance permanently. This article explores how a Flexible IFISA works, why withdrawals can reduce your tax-free investment space, and what steps investors need to take before April 5th.  

In 2025, Flexible ISAs remain a popular choice for savers looking to maximise tax-free savings while enjoying greater flexibility. Among these options, the easyMoney Innovative Finance ISA (IFISA) stands out as a property-backed investment product that combines flexibility with the potential for higher returns.

This guide explores the best flexible ISAs available in 2025, how they compare to the easyMoney IFISA, and why flexibility matters for modern savers.

When it comes to investing £100,000, the stakes are high, but so are the opportunities. With careful planning and a well-diversified portfolio, you can make your money work harder while mitigating risks. Whether you’re a seasoned investor or new to the game, understanding how to allocate your capital effectively can make all the difference in achieving your financial goals.

This guide will explore strategies for investing £100,000, focusing on diversification, tax efficiency, and leveraging tools like property-backed Innovative Finance ISAs (IFISAs) to aim for maximum returns.

In a world of financial uncertainties, building a reliable stream of income is a cornerstone of long-term financial planning. For high-net-worth individuals (HNWIs) and other investors, monthly income can provide the stability and flexibility needed to achieve both immediate and future financial goals. Whether you’re planning for retirement, funding other investments, or simply looking for a predictable income stream, easyMoney’s property-backed Innovative Finance ISA (IFISA) offers an attractive solution.

This blog explores the long-term benefits of monthly income, why it’s crucial for financial planning, and how easyMoney’s IFISA can play a pivotal role in helping you secure your financial future.

As the financial landscape continues to evolve, the importance of diversification in wealth management has never been greater. The year 2025 presents both challenges and opportunities for high-net-worth individuals (HNWIs) and other investors. From inflationary pressures to fluctuating interest rates and a tightening tax environment, navigating these complexities requires strategic planning and innovative solutions. One such solution is the Innovative Finance ISA (IFISA), a tax-efficient investment vehicle that offers robust returns, security, and diversification.

This blog explores the benefits of diversification, the unique advantages of property-backed IFISAs, and how they can help you maximise your wealth in 2025.

In today’s complex financial landscape, the opportunity cost of keeping cash idle is often underestimated. While holding reserves in low-yield accounts may seem like a safe option, it can erode purchasing power over time due to inflation and missed growth opportunities. For high-net-worth individuals (HNWIs) and other investors, finding smarter ways to utilise cash is essential for achieving long-term financial goals. 

This blog explores the concept of opportunity cost, the risks of holding idle cash, and how easyMoney’s property-backed Innovative Finance ISA (IFISA) provides an effective solution to put your money to work with robust returns and tax-free growth.

Investors are always seeking opportunities that offer higher returns while keeping risks manageable. With inflation fluctuating and traditional cash savings accounts providing underwhelming yields, more people are turning to alternative investment strategies to grow their wealth. One option that stands out for its higher potential returns and tax advantages is the Innovative Finance ISA (IFISA).

In this blog post, we’ll explore how you can maximise your returns with  Innovative Finance ISA (IFISA) investments, and why the tax-free benefits of IFISAs can play a crucial role in transforming your overall investment strategy. By leveraging IFISAs, investors can tap into the lucrative peer-to-peer (P2P) lending market while enjoying tax-free growth, making it an ideal solution for those looking to build their wealth efficiently.

When it comes to planning for retirement, one of the most important steps you can take is helping to diversify your portfolio to support long-term stability. Diversification helps mitigate risk by spreading your investments across different asset classes and strategies, so you’re not over-reliant on any single type of investment. Traditionally, many people rely on pensions, stocks, and bonds for their retirement savings, but there are other valuable investment vehicles that can complement your portfolio. Two such options are Individual Savings Accounts (ISAs) and Innovative Finance ISAs (IFISAs), which offer unique tax advantages and, when used strategically, can help you work toward long-term financial security.

Investing is about making informed decisions, but it’s also about understanding your eligibility for certain types of investments. For platforms like easyMoney, which specialise in alternative investments such as property-backed Innovative Finance ISAs (IFISAs), assessing an investor's suitability is a crucial regulatory requirement. This process often involves an Investor Appropriateness Test, designed to ensure that individuals fully understand the risks and benefits of the products they are investing in.

In this post, we’ll break down the Investor Appropriateness Test, explain why it matters, and provide a step-by-step guide to help you navigate it successfully. If you’re considering investing with easyMoney or similar platforms, this is your essential primer.

When it comes to planning for retirement, traditional pension schemes often dominate the conversation. However, in recent years, Individual Savings Accounts (ISAs) and Innovative Finance ISAs (IFISAs) have emerged as valuable complements to pensions, offering tax-free growth and withdrawals along with easier access to your savings. These flexible investment vehicles present an opportunity to diversify your retirement portfolio and potentially achieve higher returns compared to certain savings accounts or more traditional pension options.

While ISAs and IFISAs should never be seen as replacement to traditional pension savings, in this blog, we'll explore how ISAs and IFISAs can be a smart addition to your retirement portfolio, providing tax benefits and diversification opportunities, and helping you grow your wealth over the long term.

In today’s rapidly changing economic environment, the role of corporate cash reserves has never been more critical. While maintaining liquidity is vital for operational stability and seizing strategic opportunities, holding excessive cash on the sidelines can cost your business significantly. The risks of inactive cash range from inflation eroding purchasing power to missed opportunities for generating higher returns.

This article explains why large corporates should avoid the trap of idle cash and explores strategic investment options, including easyMoney’s property-backed loans. By adopting diversified strategies, businesses can transform their cash reserves into a dynamic asset for growth and financial stability.

Building wealth is a long-term endeavour that demands strategy, consistency, and adaptability. As we step into 2025, with an ever-changing financial landscape marked by fluctuating inflation and evolving tax policies, adopting effective wealth-building habits is more critical than ever.

This blog outlines 10 essential habits designed to help you grow, preserve, and optimise your wealth in the year ahead.

While inflation has eased recently, uncertainty remains high, and economists are predicting that it could fluctuate again in the near future. The Bank of England and other central banks have used interest rate hikes to combat inflation over the past year, but now some experts expect these rates to start falling again after the initial 0.25% cut in August 2024. If inflation rises unexpectedly, the value of money may start to erode more rapidly, and the interest earned from traditional investments like cash ISAs may fall short.

In such an environment, finding investments that offer competitive returns without being tied directly to central bank interest rate decisions is essential. One promising alternative is peer-to-peer (P2P) lending through platforms like easyMoney, where investors can earn attractive returns that help shield their savings from inflation’s ups and downs. In particular, the Innovative Finance ISA (IFISA) provided by easyMoney offers tax-free returns from secured loans, giving investors a robust and flexible way to grow their wealth even during relative economic volatility.

Cash reserves are a cornerstone of corporate financial health, providing liquidity for operational needs, mitigating risks, and funding strategic opportunities. However, holding excessive cash on the balance sheet can lead to significant opportunity costs. In a climate where inflation remains a concern and interest rates fluctuate, idle cash can erode in value and diminish a company’s financial potential.

This article explores the concept of opportunity cost for corporations, looking into how businesses can optimise their cash reserves through strategic investment options such as structured products, peer-to-peer (P2P) lending, and high-yield cash management strategies.

The year 2025 is shaping up to be another period of economic flux. With fluctuating inflation rates, potential interest rate cuts, and evolving tax landscapes, high net-worth individuals (HNWIs) face unique challenges and opportunities in preserving and growing their wealth. Strategic investment decisions have never been more critical to navigate these turbulent times effectively.

This blog explores key strategies for HNWIs to safeguard their financial health while capitalising on emerging opportunities in the current economic climate. From tax-efficient investment vehicles like ISAs and Innovative Finance ISAs (IFISAs) to the importance of diversification, we will guide you through the essential steps to build a resilient portfolio.

As the new year begins, many investors are reevaluating their financial strategies, particularly those focused on maximising tax efficiency. For high-net-worth individuals and  investors, the landscape of tax-efficient investments offers compelling opportunities to optimise returns while managing tax liabilities. In this article, we explore some of the best tax-efficient investment options available, including Innovative Finance ISAs (IFISAs), pensions, and property-backed loans, while balancing the discussion with an honest look at the associated risks.

When it comes to building wealth, compounding is often regarded as one of the most powerful forces in finance. Often referred to as the "eighth wonder of the world" by Albert Einstein, the concept of compounding has the potential to transform modest savings into significant wealth over time. In this blog post, we’ll explore the magic of compounding, how it works, and why it's critical to growing your wealth over the long term.

In a world of low interest rates and inflation eroding the value of money held in traditional savings accounts, savvy investors are increasingly looking for alternative ways to grow their wealth. One such option gaining significant attention is the Innovative Finance ISA (IFISA). Offering potentially higher returns than Cash ISAs and other traditional savings accounts, IFISAs are a relatively new addition to the ISA family. But how do they compare, and why are they emerging as a superior option for investors?

In this blog post, we’ll explore the key differences between IFISAs and traditional savings products, highlighting why IFISAs offer superior returns and how they can be a valuable addition to your investment portfolio.

As we approach 2025, navigating the evolving tax landscape in the UK has become increasingly important for individuals looking to preserve and grow their wealth. The recent changes introduced in the 2024 Autumn Budget highlight the need for proactive planning to increase the likelihood that your hard-earned income and investments are protected from escalating tax burdens.

In this blog, we’ll explore six strategic ways to pay less tax in 2025, with a focus on utilising tax-efficient vehicles like Individual Saving Accounts (ISAs) and Innovative Finance ISAs (IFISAs), making smart use of allowances, and structuring your wealth to minimise liabilities. By taking action now, you can position yourself to weather economic challenges and secure your financial future.

The Labour Government’s Autumn Budget on October 30, 2024, has set a new tone for the UK’s tax landscape. While designed to bolster public finances, the measures announced leave many high earners and savers reconsidering their investment strategies. Increased taxes on dividends, capital gains, and pensions signal a potential era of stricter taxation, with further changes potentially looming in 2025.

Against this backdrop, tax-free investments like Individual Savings Accounts (ISAs) and Innovative Finance ISAs (IFISAs) have gained renewed importance as vehicles for preserving wealth and achieving growth without additional tax burdens. This blog explores how these accounts can help individuals shelter their savings from future tax hikes and maximise returns in a post-Budget UK.

"Compound interest is the eighth wonder of the world. He who understands it, earns it. He who doesn't, pays it.” 

 Albert Einstein

We are proud to announce that easyMoney has once again been named IFISA Provider of the Year at the prestigious Alternative Credit Awards 2024, hosted by Alternative Credit Investor. This marks our second consecutive win, following our triumph in 2023, and reinforces our position as a leader in the Innovative Finance ISA (IFISA) market.