Tax Year Planning 2026/27: Make the Most of Your Fresh Start

A new tax year means a fresh set of allowances, and the earlier you put them to work, the harder they work for you. In this episode of clarityON, Angus Jones (CEO & Chartered Adviser) and Jess Lelew (Paraplanner) walk through the key planning opportunities for 2026/27, from ISAs and Pensions to Capital Gains Tax, Inheritance Tax, and beyond.What we cover:Why acting at the start of the tax year pays off, and how compounding makes timing matter more than most people realiseISAs: making the most of your refreshed £20,000 allowance, Junior ISAs, and the Bed & ISA strategyPensions: the extraordinary tax relief available, carry forward, and salary sacrificeThe hidden tax traps around £60,000, £100,000 and £125,140, and how pension contributions can neutralise themCapital Gains Tax: using your annual exemption systematically from day oneInheritance Tax: the gifting allowances that reset every April, and the 'normal expenditure out of income' relief most people have never heard ofVCTs and EIS: tax-efficient options for those who have already maxed the basicsA practical April action plan to get organised now, not in MarchWhether you're reviewing your financial plan for the year or hearing some of these strategies for the first time, this episode is your starting point for a more tax-efficient 2026/27.Download our Tax Year Planning Guide 2026/27  Book a free consultation Get in touch: [email protected] WebsiteBook Your Free Consultation InstagramLinkedInFacebookYouTubePerformance Disclaimer:Past performance is not an indication of future performance. The value of your investments can go down as well as up.Legal Disclaimer:Please note that any opinions, analyses, or reviews provided on the podcast are those of the author alone.All content reflects our opinion at a given time and can change as time progresses. All information should be taken as opinion and therefore should not be misconstrued for professional or legal financial advice.clarity makes no representations as to accuracy, completeness, or suitability of any information and will not be liable for any errors, or omissions in this information.Please contact your financial adviser if you require further support or assistance with any of the topics raised.