Protecting Your Legacy: Inheritance Tax and Estate Planning with Blacktower
You’ve worked hard for your wealth. You’ve made sacrifices, built businesses, invested wisely, and accumulated assets that represent a lifetime of achievement. But have you considered how much of that wealth might reach your loved ones when the time comes? Without careful planning, a large portion of your estate could be lost to Inheritance Tax […]
Why Waiting on Proposed Wealth Tax Changes Isn’t a Good Idea
For high-net-worth individuals and international families, wealth planning is rarely straightforward. The tax landscape is constantly shifting, with governments introducing new rules, closing loopholes, and reforming existing structures to generate more revenue. At present, discussions around new or expanded wealth taxes are gaining momentum across multiple jurisdictions. Whether it’s inheritance tax reforms in the UK, […]
Generational Wealth Tax: What Families Need to Know
For many families, the concept of “generational wealth” is central to their financial planning. It’s about more than simply accumulating assets during a lifetime — it’s about ensuring those assets provide security, opportunity, and legacy for children, grandchildren, and future generations. But as governments worldwide continue to reform tax systems in response to economic pressures, […]
Your Pension and Inheritance Tax: What You Need to Know Now
For many people, their pension is the single biggest financial asset they will ever build. It represents decades of hard work, careful saving, and a cornerstone of financial independence in retirement. Increasingly, pensions are also viewed as a way to provide for the next generation, often forming a key part of estate and legacy planning. […]
Spain: Navigating the 2025 Tax Landscape
As we move through 2025, both Spain and the UK are undergoing significant tax and regulatory changes that may affect your financial planning. Below we highlight the most important developments. Across the EU, governments are required to deliver their budgets in October each year, aligned with multi-year fiscal roadmaps approved by Brussels. For Spain, delays […]
Estate Planning in Portugal: What UK Expats Need to Know
If you’re a UK national living in Portugal, your estate planning requires careful review to ensure it aligns with Portuguese law and your family’s needs. Arrangements made under the UK system may not provide the same outcomes once you are resident in Portugal. While many people devote time to retirement planning, fewer consider what happens […]
Moving to Spain: A Financial Planning Guide for UK Expats
If you are planning to move to Spain, or have recently done so, you have made an excellent choice. With its rich culture, warm climate, and relaxed lifestyle, Spain offers a wonderful quality of life. It also presents opportunities to review and adapt your financial planning. Where possible, it is best to begin preparations well […]
Tax Freedom Day 2025: How Much of Your Year Goes to the Taxman?
If you’ve ever felt as though much of your working life is spent paying tax before you see any benefit for yourself, you may not be far wrong. With income tax, national insurance or social security, capital gains tax, VAT, council tax, excise duties and more, a significant proportion of income goes to the taxman […]