Scott Gallacher

Special Counsel and Consultant, International Trade Group Inc

A lost art

There is no government allowance or tax free incentive too small to be taken advantage of, not least of all CGT allowances

Wasteful, not immoral

There is nothing wrong with having efficient tax affairs, as there is no such thing as a 'correct' amount of tax that must be paid by any tax payer

Do you scheme?

The Pensions Regulator's ambiguous guidance and regulations are having the effect of increasing salaries, not pension savings

Smells like scandal

Many don't realise that they could be be losing half the value of their pension benefits, even with the introduction of a cap on exit charges

Auto-confusion

Small businesses must address their pension scheme auto-enrolment obligations before non-compliance penalties begin to bite

Weapon of choice

Regardless of how obsolete they may seem, discretionary will trusts remain an important tool in the financial planner's toolkit

The business of IHT

It's very difficult to reduce inheritance tax exposure, but clients may have some luck by investing in shares exempt from the tax, says Scott Gallacher

We would all do well to fully understand the changes that have already been made to transferable nil-rate bands, instead of speculating about potential changes to inheritance tax, advises Scott Gallacher

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Scott Gallacher

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