About Paul Clifford FPFS FCII Chartered Financial Planner

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So far Paul Clifford FPFS FCII Chartered Financial Planner has created 245 blog entries.

The Most Valuable IHT Form You’ll Ever Fill In (and Why More Families Are Getting It Wrong)

By |June 11th, 2026|Independent Financial Advice, Inheritance|

Many families could be missing out on valuable inheritance tax gifts simply because they haven't kept the right records. Find out why paperwork matters.

One Million More Pensioners to Pay Income Tax: The ‘Retirement Tax’ and State Pension Tax Are No Longer Theoretical

By |May 10th, 2026|Independent Financial Advice, Pensions|

More retirees could soon face state pension tax as frozen tax thresholds and rising State Pension payments continue to collide. Find out what it could mean for retirement income planning.

Britain’s Tax Take Heads for 38% and the OBR Warns the Growth Cost Could Be Real

By |May 10th, 2026|Independent Financial Advice|

The UK tax burden is heading towards postwar highs, driven by fiscal drag, frozen thresholds and rising welfare pressures. The OBR warns this could affect economic behaviour and long-term growth.

Are Families Really £1,000 Better Off? The Spring Statement Claim Under the Microscope

By |March 29th, 2026|Budget, Independent Financial Advice|

Are families really £1,000 better off? The Spring Statement’s impact on UK household finances depends on bills, mortgages, and fiscal drag—here’s what households can actually expect.

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