Kellands Independent News – Winter 2026

Welcome to our first issue of the new year. As 2026 gets underway, many people take the opportunity to reset their goals – and that often includes their finances. The key to any successful New Year’s resolution is keeping it realistic, measurable and achievable. With that in mind, we’ve outlined some practical financial resolutions for 2026 to help you build momentum and track your progress throughout the year.

Of course, life is rarely static. In a period of ongoing economic change, keeping your financial plan relevant is more important than ever. Major life events – such as receiving an inheritance, selling a business or separating from a partner – can have a significant impact on your finances. On page 06, we look at why it’s essential to revisit your plans when circumstances change, as a strategy that worked last year may no longer suit your current position.

ISAs remain one of the most popular ways to save and invest tax-efficiently. They act as a protective wrapper, shielding your money from income tax and capital gains tax. With the annual ISA allowance resetting each tax year and no option to carry it forward, it’s worth asking whether you’ve made full use of it. You can read more on page 03.

Passing wealth to the next generation is another common priority, yet it can feel increasingly complex. With tax thresholds frozen and uncertainty around future changes, more people are seeking advice on how to protect their legacy. On page 10, we explore why this is becoming such a pressing concern.

Finally, with the 2025/26 tax year ending on 5 April, now is an ideal time to review your pension planning. Making use of available allowances before the deadline can deliver valuable tax relief and strengthen your long-term retirement prospects. Turn to page 04 to find out more.

There’s much more besides, so we hope you find this edition both interesting and useful. Click on the link below to read or download it.

If you would like to discuss any of the matters raised or if your circumstances have changed and you need some financial advice, please do not hesitate to contact us.

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