Clare Moffat

Changes have put life cover ‘firmly back into conversation’

More joint life and inflation-linked policies purchased

Unexpected IHT shift to include pensions has left advisers racing to adapt estate strategies

Autumn Budget could 'affect nearly everyone’

February HMRC newsletter gave LTA update ahead of 6 April abolition

Talking to a financial adviser helps achieve fair outcomes

Clients are also pulling money from investments and moving to cash

Financial planning is complicated, but even more so for cohabitees

7.2 million adults live as part of a cohabiting couple in the UK

Advisers ‘still do not have their head round how complex LTA is’