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Children’s Savings: Starting Their Financial Future Early
At Dunkley’s, we know that many parents and carers want to give their children a strong financial start – but often feel unsure where to begin. The UK tax system offers several wrappers and allowances designed for minors, each with its own rules on access, tax treatment and contribution limits.
Saving for a child isn’t just about handing over a lump sum at 18. It could help reduce student debt, cover driving lessons, boost a house deposit or even kick-start a pension. Starting early allows interest, dividends and tax relief to compound over time, and ensures annual allowances – like the Junior ISA limit – are used before they expire each 5 April.
Tax Relief Opportunities for Businesses Embracing Sustainability
At Dunkley’s, we understand how important sustainability is to the future of business. The policy push for a net-zero economy is now hard-wired into the UK tax system, with many businesses investing in lower-carbon equipment, property upgrades and greener vehicles. The tax system offers a range of permanent and time-limited reliefs that can cut the headline cost of those projects by up to 25%. We’ve summarised the main opportunities below, along with the key deadlines and practical steps we recommend for the remainder of the 2025/26 tax year.
Capital Gains Tax Relief and Exemptions: What You Need to Know
Capital Gains Tax (CGT) can have a significant impact on individuals, landlords, and business owners when selling or transferring assets. Understanding how CGT works – and more importantly, how to reduce your tax bill using legitimate reliefs and exemptions – is an essential part of good financial planning.
Planning for Growth: Reorganisations, Demergers and Clearance Applications Explained
As businesses grow and evolve, their structures often need to do the same. Whether you’re expanding into new markets, preparing for succession, or simplifying group arrangements, making structural changes through a reorganisation or demerger can help position your business for long-term success. But with complex tax rules in play, getting the right accountancy and tax advice is essential.
Diversifying Your Investment Portfolio
Diversification spreads risk across different assets, markets, and tax wrappers. It helps private investors smooth returns rather than rely on a single share, fund, or property. At Dunkley’s, we often guide clients through building balanced portfolios that align with their long-term financial goals – from retirement income to school fees or future house purchases.
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