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Guys, you have missed it. The purpose of this life is to prepare for eternity and decide where you would like to spend it. To quote the old one 'For best results read the maker's instructions'. I mean of course The Bible. Death of the body can come in a moment, I know, having now reached the age of 70 but previously faced two close out of the blue calls once at 21 and again at 36. There is an old expression from the Middle Ages ' You don't know how to live well until you know how to die well.

Hi Justin, could you guide me please last year my salary went upto £50700 which resulted in HMRC changing my tax code for this year to 749L, this was due to me losing out on Marriage allowance, i am wondering if i can do something to bring the tax down by making back dated tax claim such as expenses?

Thoughtful, useful discussion. Thank you.

Are you able to answer questions on old rules which includes HRP??

What is a permanent solution to protecting £1m? Surely a millionaire wouldn’t have to have 12 different accounts to protect all this? How do most millionaires protect their money? Let’s assume they’re not buying property, just stocks and shares. How would they go about this?

Very helpful thanks

Can you offset capital loss or negligible value claim against previous years unpaid income tax from employment?

If I initiate an in-species transfer from Vanguard to Trading212 and I have 106 S&P shares, will all 106 S&P shares be transferred? Or will it re-buy the shares at the current share price? My average share price was £72.33 but the share price is around £90 now…

Iv just been hit with BB on bitcoin, didn't even know it existed!

I have £13k in vanguard but have only put about £100 into the account this year, I have also put £10k into T212 this year, I want to transfer the £13 from vanguard to invest engine, does anyone know if this is legal? I would be putting about 23k into t212 and IE but the 13 is from previous years (this is very confusing for me 😮).

To have a 50/50 chance of winning anything you need to hold about £25000 of bonds. There are better investments available, like gold.

In the past two since we had premium bonds we have won about £150 thats exactly £150 more than we have had on the lottery so for me they are better😊

Hi Thanks for your vedio i have a question transfer marriage allowance to partner does this effect to ilr application

Thanks Justin. So should your p60 then show the amount after sacrifice as that is essentially your new salary?

if you sell a property in Ireland with retirement relief on CGT so you pay no tax on it, Will the UK realise that releif or do you pay CGT in England which makes the tax treaty useless?

Hey Justin, I'm trying to understand the Bed and Breakfast as we approach the tax year end ( 4 months away but never to early to plan! ).. I hold several stocks in a GIA that are in the green & my plan is to sell these in April and re-buy instantly within my ISA - Would I be exempt from paying CGT as I'm re-buying the asset instantly?

Can I draw up a deed of variation to avoid paying stamp duty? For example if the parent dies and leaves their house between two adult children, could one child buy the other out this way? So the child buying would simply give the other child the cash and the will is changed 100% to the child buying the house

IHT on Pensions changes everything

This is so helpful thank you for making this so accessible. If someone earns say £99k a year but then has a bonus of £30k, if they put that directly into their company pension would that £30k be cancelled out, so they don’t lose their personal allowance or have to pay extra tax for that tax year?

This is so helpful thank you for making this so accessible. If someone earns say £99k a year but then has a bonus of £30k, if they put that directly into their company pension would that £30k be cancelled out, so they don’t lose their personal allowance or have to pay extra tax for that tax year?

What has really pissed me off is that I worked, from the age of 16 years old, for 44 years. But because I retired at the age of 60, I do not recieve the full amount of state pension - due to the new rules...!!!. Also, my date of birth was in the June of 2016, which meant my retirement age fell after the April 2016 date, so I am screwed either way. The rules don't allow any consideration for someone who has worked all of his life, but someone who has never worked gets everything; even a free care home place should they need it, whereas I will have to pay for my own. But who said "life ain't fair"...???

This is great video. So good I have bought your book .

So helpful thank you

I'm interested in this video because my father passed away 4 months back and I have been told I am not named in the will. I suspect everything has been left to the latest wife and newest child .

Justin, my pension is in uk, and i want to move permanently in 5 years to spain...will i still be able to do this, without Keir Starmer destroying my plans...

Do I need to wait till my cash ISA matures before I transfer?

Thanks for having me - such a soulful conversation!

What a smashing subject to talk about. One that most of us nearing retirement would not be thinking about due to lot other on our plate.

So to recap, I am buying a portfolio of properties based on the probate values. Since the vendor has already paid IHT, once he sells the properties to me, he won’t CGT as you are not taxed twice. Is this correct?

I just got call now 😢

Hi Justin. I'm not sure if you're still reading these comments but can I leave a proportion of my house to my son to qualify for RNRB and the rest to my wife or do i have to leave the whole house to my son ? I can't find the answer to that question anywhere.

Thank you for posting. This seems to have gone under the radar and I’m surprised there are no other comments. My question is are all pension schemes protected at 55? I’ve been in the same scheme for 24 years.

so far this year i have earned more in prizes than i would in a savings account also sticky fingers Rachel cant get her hands on it ...... YET

Many thanks Justin, simple explanation of a complex issue.

Can your winning bond number win again.Basically, what happens to your winning number

I’m struggling to

My husband died in 2021 aged 61 we both had full pension credits , will I be able to inherit his state pension . I will be eligible for my state pension in March 2026 . If I can inherit his state pension how do I go about getting it . Any help on this matter would be a great help Thank You

The state and basic pension is not a benefit

I’m a carer but can’t get carers allowance because I get the basic pension, they call it overlapping benefits. Carers are nothing but slaves working and not being paid. It saves the government billions of pounds than if they had to pay carers for the work they do

Anyone beard labour want to pay us are benifits in vouchers n no money so we have to dpend it on ehat they say. This country wont stand for this bu l. Sh t goverment. VOTE NIGSL Frrage Reform uk

All that hard work and giving them our taxes and not a tuppence for the berieved spouse. Disgusting evil people.

Scary😢

Hi, I have to pay a shared equity loan and need some cash should I take the maximum tax free cash from my pension pot or take a loan from my mortgage lender or my bank.? Please advise

I actually benefitted greatly from this. Sadly my wife died in May 2001, I was 45 with 2 small children. As my wife died before a certain date and I was 45 it transpired at 66 I got a 100% of her SERPs as an added pension. Another hoop was I had too be over a certain age when my children ended full time education. The widowers pension I got til then ended and it became the added pension I got at 66. Worth about £5,500 at current value. I have say it was useless trying to get any detailed information about this over the years- just told it would be calculated when I retired. It’s all swept away now and widows and widowers have been hung out to dry by the Tories. Don’t expect Labour to make it right.

Why I may be asked to effectively take my entire pension account if I'm trying to access my pension pot ,before my state pension age and stayed employed, to take the tax free cash ? Please advise

i have a trading 212 Invest account and an ISA account. i have maxed out my 20K for the ISA account for this year. I have some money in my invest account. Can i transfer these into my ISA account in the next fiscal year without incurring CGT? if i sell my positions in the invest account and transfer the funds into my ISA account without withdrawing it to my bank and then depositing it into my ISA account, can i escape the CGT?

Obviously since this was made the allowance is much less generous, so this is even more relevent. Whatcabout if you butca very similar but not identical etf. For instance a S&P 500 fund from fund manager XYZ and then bought a S&P 500 fund from fund manager ABC the next day?

Thank you very much for sharing this important information. Well explained.

All of them if you are a liebour MP

I hope we all know that it doesn't matter who is in the 'top job' because this is a systemic problem -- greed. We have allowed many of our economic sectors, to take advantage of the American people. It's disgusting and frightening for the future of our country. My husband and I will be retiring in the next two years n another country. We are absolutely worried that SS! will no longer be funded. we'll have to rely on his pension, a 403 (b) and a very prolific Investment account with Stephanie Janis Stiefel my FA. Our national debt is bloating and expanding every month. Our government needs to get spending under control and cut the federal budget.