You want to make some large cash gifts to your children but you’re worried about the inheritance tax (IHT) implications. ChatGPT says the rate of tax is reduced if you survive more than three years, but you’ve also read that you need to survive seven years. Which is it?
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You’re an owner manager and your daughter is due to start nursery. You understand that working parents can get free childcare but a friend said this isn’t available if you only pay yourself dividends. Is this true and what can you do to qualify?
Dividend tax rates have increased by 2% for 2026/27. Add that on to the other recent tax hikes and it starts to look very expensive to run a company. Is the combination of a low salary topped up with dividends still tax efficient?
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