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Transact Technical Centre

Welcome to Transact’s Technical Centre. The content below has been created by our technical team to support your financial planning needs.
Flexibility and ISAs: Current rules and planning opportunities
December 23, 2025
ISA
In her Mansion House speech, Chancellor Rachel Reeves confirmed that the ISA allowance will remain unchanged for now, following pushback from building societies and other...
IHT and pensions – further clarity and procedural update
December 23, 2025
IHTPensions
The announcement in last October’s Budget that ‘unspent pension funds’ would be in scope for inheritance tax (IHT) from April 2027 has caused considerable reflection...
A Study In Gifting – What Now For Assets That Qualify For Business And Agricultural Relief?
December 23, 2025
IHT
Last autumn’s Budget announced a maximum allowance of £1m per person for qualifying business and agricultural assets that will receive 100% IHT relief with effect...
Lifetime ISA – views of the Treasury Select Committee
December 23, 2025
ISA
In the March 2025 Adviser Update, we highlighted the use cases for the Lifetime ISA (LISA) and that a Treasury Select Committee (TSC) was requesting...
Investment bonds – topping up verses new policy
December 23, 2025
Bonds
With the increasing demand for investment bonds, we are also seeing an increase in enquiries about investing additional premiums to existing policies.  One question we...
A study in gifting – too late to change after death?
December 23, 2025
IHT
Generally, once a gift has been made it cannot be ‘undone’ as doing so cancels the inheritance tax planning objectives. However, where someone’s estate is...
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This website is designed to be used by financial advisers, their clients and professionals. It is intended as general guidance only and should not be viewed as a recommendation to use or rely on any features mentioned. The information is not advice, nor is it a substitute for advice.
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"Transact" is operated by Integrated Financial Arrangements Ltd. 4th Floor, 2 Gresham Street, London, EC2V 7AD. Tel: 020 7608 4900 Fax: 020 7608 5300. (Registered office: as above; Registered in England and Wales under number: 03727592). Authorised and regulated by the Financial Conduct Authority (entered on the Financial Services Register; no. 190856).