Could your money help your family more now?

Helping with a first home, education or a family milestone can make a difference at the moment it is needed most. But any gift should work for your future as well as the person receiving it.

Our free guide explores how to approach lifetime giving thoughtfully, with your own Retirement needs and long-term Financial security at the centre of the decision.

It introduces the Tax considerations alongside the personal questions: what do you want to achieve, when could the help matter most, and can you comfortably afford to give it away?

Inside the guide, you’ll find:

• Testing affordability, including later-life needs and unexpected costs.
• An introduction to gifting exemptions and the seven-year rule.
• The differences between cash gifts, assets, loans and trusts.
• A practical Family Help Test and questions about fairness.

Download the guide before making a significant gift.

General information only, not personalised Financial, Tax or Legal Advice. Tax treatment depends on individual circumstances and may change.