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Pension Death Benefits: What Happens to Your Pension When You Die?

For many people, a pension represents one of the most significant assets they will accumulate during their lifetime. Yet its treatment on death — who receives it, how, and what tax is payable — is often poorly understood. With important changes on the horizon, it is worth taking stock of where the rules currently stand and what is set to change from April 2027. The Current Position: Income Tax and the Age 75 Threshold Under current rules, the tax treatment of pension death benefits depends primarily on whether the pension…

Selling a Business: The Key Legal Stages

Deciding to sell your business is one of the most significant decisions you will ever make. Getting the process right requires careful planning, the right professional team, and a clear understanding of what lies ahead. From the first preparations to the final handover, the journey typically takes between three  and six months, and the legal process is central to every stage. The preparations may take longer especially if a pre-sale reorganisation is required to hive-out the business and assets into an SPV whose shares are then to be sold. This…

Due Diligence

Due Diligence: What Every Business Owner Needs to Know

Whether you are acquiring a business, entering into a partnership, taking on an investor, or signing a significant commercial contract, due diligence is the process that safeguards you making an uninformed decision. In simple terms, it is the comprehensive research, audit and analysis you undertake before committing to a significant transaction. When done well, it confirms what you have been given, uncovers risks that may not be immediately apparent, and equips you to negotiate from a position of strength. In England and Wales, the principle of caveat emptor (buyer beware)…

Spring Budget

Chancellor seeks stability in turbulent times

On the stump with the Spring Statement as government chases stability and growth Chancellor Rachel Reeves delivered a punchy Spring Statement, flagging the importance of stability at home amidst growing global uncertainty.  Intended as an opportunity to shine a light on improved forecasts, global politics showed how it can intrude on even the most carefully framed domestic narrative, with the sudden escalation of hostilities in the Middle East over the weekend forcing a recalibration of tone. The Chancellor instead started with the turbulence of an increasingly dangerous world, thanking the…

Conveyancing

What Does a Conveyancer Do?

As the UK marks National Conveyancing Month in March, it is a timely opportunity to highlight the vital role conveyancers play in buying and selling property. Purchasing or selling a home in England and Wales involves far more than agreeing on a price and collecting the keys. A conveyancer plays a central role in ensuring the transaction is legally sound, properly documented, and completed without unnecessary risk or delay. From conducting legal checks and managing contracts to handling funds and registering ownership, your conveyancer protects your interests at every stage…

A New Year Wills Healthcheck

Is your Will still fit for purpose?

The start of a new year is often a prompt to get things in order - reviewing finances, updating records and planning for the year ahead. One important document that is often overlooked after it’s been signed, however, is a Will. Many people assume that once a Will is in place, the job is done and it can be forgotten about. In reality, even a well-drafted Will can cause significant difficulty if it is outdated, unclear, or cannot be located when it is needed. We recently dealt with a matter…

Law in England

What You Need to Know About Lodgers and the Law in England

Taking in a lodger can be a sensible way to earn extra income while making the most of spare space in your home. But before you offer a room, it’s important to understand the legal rules, the rights a lodger has, and your responsibilities as the homeowner. What Exactly Is a Lodger? A lodger is someone who rents a room in your home and shares facilities such as the kitchen, bathroom, or living room with you. Because you also live there, the arrangement is different from renting out a self-contained…

Joint Ventures

Joint Ventures: What They Are and What to Consider Before Entering One

In today’s complex and competitive business landscape, joint ventures (JVs) offer a compelling way for businesses to collaborate, expand into new markets, share risks, and leverage complementary strengths. But while the benefits can be significant, entering a joint venture without careful planning can lead to complications, disputes, and unmet expectations. This article explores what a joint venture is, outlines the key factors to consider before entering one, and offers guidance to help you set the foundation for a successful business relationship. What is a Joint Venture? A joint venture (JV) is a…

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