James Heppe-Smith
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Triple Tax-Advantaged Accounts: The Complete US Guide (HSA, and What Else Counts)
Read more: Triple Tax-Advantaged Accounts: The Complete US Guide (HSA, and What Else Counts)The HSA is the only mainstream US account with three layers of tax protection. Why Roth IRAs, traditional 401(k)s, and 529 plans don’t count, what the 2026 HSA contribution limits are, and the investment-HSA strategy that turns it into a stealth retirement account.
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OBBBA in 2026: the SALT cap is now $40,000 and your 529 can pay $20,000 of K-12 tuition
Read more: OBBBA in 2026: the SALT cap is now $40,000 and your 529 can pay $20,000 of K-12 tuitionTwo OBBBA provisions took effect 1 January 2026 and are reshaping US tax planning for the 2026 return. The SALT deduction cap jumps from $10,000 to $40,000 for filers below $500,500 MAGI. The 529 K-12 limit doubles to $20,000 per student and now covers tutoring, books, and credential programs.
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529 to Roth IRA: The 15-Year Rule Explained (2026)
Read more: 529 to Roth IRA: The 15-Year Rule Explained (2026)The most-asked question on the new 529-to-Roth IRA rollover route: how does the 15-year rule actually work? A focused FAQ covering the 15-year clock, the 5-year contribution exclusion, the $35,000 lifetime cap, the beneficiary-change uncertainty, and a worked planning example for 2026.
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How Much Could £1,000 Invested Actually Earn? Worked Returns for UK Beginners 2026
Read more: How Much Could £1,000 Invested Actually Earn? Worked Returns for UK Beginners 2026Not a strategies piece; a worked returns piece. Cash ISA, Stocks and Shares ISA, SIPP, REIT, peer-to-peer compared with real numbers over 1, 5, 10, and 25 years. The compounding table, the SIPP top-up maths, and what the historical record actually says about a global equity index fund.
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From rate cuts to a rate hike: what May’s jobs report and Warsh’s first FOMC mean for US savers, borrowers and retirees
Read more: From rate cuts to a rate hike: what May’s jobs report and Warsh’s first FOMC mean for US savers, borrowers and retireesMay’s +172,000 jobs report flipped the market from pricing Federal Reserve rate cuts to pricing a hike. Here is what Kevin Warsh’s first FOMC meeting on 16-17 June means for US savers, borrowers, and retirees, and why the Fed’s balance sheet matters as much as the rate.
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Your 2027 Social Security check is 3.6% bigger. Your 2032 check might be 24% smaller. Both are true.
Read more: Your 2027 Social Security check is 3.6% bigger. Your 2032 check might be 24% smaller. Both are true.Your 2027 Social Security cost-of-living adjustment could be approximately 4%. Your 2032 Social Security check might be approximately 24% smaller if the Trust Fund depletes without congressional action. Both projections are real. We set out the data, the OBBBA acceleration, and the planning posture across three reader age cohorts.
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Enhancing Financial Services Bill: what the 2026 King’s Speech actually changes for consumers
Read more: Enhancing Financial Services Bill: what the 2026 King’s Speech actually changes for consumersThe Enhancing Financial Services Bill at the 13 May 2026 King’s Speech bundles five strands: PSR absorbed into the FCA, FOS reform (a new ‘rule-compliant equals fair’ test and a 10-year absolute time limit), SMCR Phase 2, an updated ring-fencing regime and credit union expansion. Plus an FCA Regulatory Initiatives Grid sidebar and the parallel…
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The US crypto regulatory picture has changed faster than the UK’s: GENIUS Act, SAB 122, and what they mean for ETF holders and stablecoin users
Read more: The US crypto regulatory picture has changed faster than the UK’s: GENIUS Act, SAB 122, and what they mean for ETF holders and stablecoin usersThe GENIUS Act (July 2025), SAB 122 (January 2025) and the SEC-CFTC MOU (March 2026) have reset US crypto regulation faster than the UK’s parallel CP26/13 framework. We unpack what each does, where USDC, USDT and PYUSD landed, and what the changes mean for Bitcoin ETF holders and stablecoin users in 2026.
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How to Spot a Financial Promotion That Breaks FCA Rules: What the 2026 Finfluencer Crackdown Tells Us
Read more: How to Spot a Financial Promotion That Breaks FCA Rules: What the 2026 Finfluencer Crackdown Tells UsThe FCA arrested three individuals in April 2026 as part of a wider push against unlawful financial promotions on social media. What counts as a financial promotion in law, the seven warning signs to watch for, and how to verify someone’s FCA authorisation before engaging.
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Is Your Money Safe with a Payments App or E-Wallet? The New FCA Safeguarding Rules in Force from 7 May 2026
Read more: Is Your Money Safe with a Payments App or E-Wallet? The New FCA Safeguarding Rules in Force from 7 May 2026FCA Policy Statement PS25/12 came into force on 7 May 2026, strengthening the safeguarding regime for around 250 payment and e-money firms covering £27 billion of consumer funds. Daily reconciliations, monthly returns, annual audits, and resolution packs. What the rules do, and how protection compares with a bank deposit.
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