Welcome to our first edition of Smart Money for 2024

In this first issue we look at the changes to National Insurance Contributions (NIC), in the Autumn Statement 2023 last November, Chancellor Jeremy Hunt announced significant reforms to National Insurance. Read more on page 03

This issue also looks at the considerable changes to the tax landscape, making the situation more challenging for taxpayers and investors alike. As we near the end of the 2023/24 tax year on 5 April, every taxpayer should understand the importance of this date and consider their tax position. On page 09, we’ve provided some planning tips to consider and discuss with us.

We also look at

Lastly, this edition of Smart Money looks at ESG (Environmental, Social, and Governance) investing, a socially responsible investing approach, that seeks to harmonise financial returns with a company’s environmental impact, stakeholder relationships and global footprint. On page 08, we consider understanding and incorporating ESG opportunities into an investment strategy.

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The value of your investment can go down as well as up, so you may not get back what you invested. Past performance is not a reliable indicator of future performance.

Inheritance tax and estate planning is not regulated by the Financial Conduct Authority.