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When families have open discussions about their finances, the results can be life changing. Discover how talking about money can unlock the most value from your wealth.

With rising house prices, inheritance tax nil rate bands are increasingly utilised by the family property alone. The result – a very real prospect of a significant inheritance tax liability.

You may well have spoken to your parents regarding your hopes and plans for the future but have you ever talked to them about theirs?

Many of us will be aware of the usual benefits of pensions when planning for a person’s retirement, however, what is less well known, is the positive impact it can make to your capital gains.

With the freezing of the pension lifetime allowance at £1,073,100 until 2026, there’s a very real chance that many individuals in their 40s and 50s could find themselves faced with a tax charge of up to 55% if they exceed this amount. Can anything be done?

Maybe you’ve funded your ISAs and pensions. In that case, job done, it’s time to sit back and watch everyone else scramble for the 5 April deadline. The question is, have you missed anything?

Do you hold premium bonds? Do you get a buzz when you win a prize? If the answer is ‘Yes’ then you may wish to read Colin’s latest feature here, where he talks candidly about the real return on premium bonds with some very enlightening statistics.

When it comes to investing, your two biggest allies are time and good habits. The sooner you start, the more time you give your investments to grow and the larger your nest egg is likely to become.