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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.
Tax Year End Reporting – Annual Allowance Charge and Scheme Pays
December 23, 2025
Pensions
At Transact, we understand that exceeding the annual allowance for pension contributions can result in significant tax charges for clients. To alleviate this burden, Transact...
A Study in Gifting – Distributions from a relevant property trust
December 23, 2025
IHT
Income is distributed to a beneficiary with a 45% tax credit which is shown on form R185. The beneficiary can then reclaim the difference between...
Maximising Investment Bond Flexibility and the Advantages of Higher Segmentation
December 22, 2025
Bonds
Investment bonds, whether onshore or offshore, offer investors valuable opportunities for tax planning and flexible withdrawals. One of the most important yet often overlooked decisions...
A Study in Gifting: Periodic Issues
December 22, 2025
IHT
Relevant property trusts are subject to inheritance tax (IHT) if the amount gifted, plus other chargeable lifetime transfers (CLT) made in the seven previous years...
A Study in Gifting: Loan Trusts
December 22, 2025
IHT
The changes announced in the autumn Budget to the tax treatment of pension death benefits from April 2027 means a number of people are going...
Pensions, IHT Headaches And The Potential For Gifting
December 22, 2025
IHTPensions
The announcement in the Autumn Budget 2024 that from 6 April 2027, unused pension funds will form part of the deceased’s estate, has the potential...
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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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© 2025 Integrated Financial Arrangements Ltd
"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).