Season 1: Episode 34

Duration: 22 minutes

In this episode of the Transact Podcast, Stuart Fleat, Head of Distribution, is joined by Mark Fenlon, Head of Technical, to unpack the proposed ISA reforms and what they could mean for advisers, platforms, and investors ahead of their expected introductions in April 2027.

Together they explore:

  • The proposed reduction in Cash ISA subscription limit of £12k for individuals under 65

  • The new 22% charge on interest earned from cash held within Stocks & Shares ISAs

  • Restrictions on Stocks & Shares ISA to Cash ISA transfers and their implications for client planning

  • Changes affecting money market funds

  • Practical opportunities to review client cash holdings and wrapper strategies

  • Proposed changes to Lifetime ISAs and the introduction of a new First Time Buyer ISA

  • Key actions advisers can take now to prepare clients for the changing regulatory landscape.

Throughout this episode, Stuart and Mark discuss the potential challenges and opportunities created by the reforms, highlighting how advisers can help clients navigate increased complexity and make informed decisions ahead of the proposed changes.

Whether you’re reviewing client cash positions, assessing tax wrapper strategies or planning for the future of ISA investing, this episode provides practical insights and technical expertise to help you stay ahead.

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For more information visit our website at: https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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