Tax Strategy
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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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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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Best Cash ISA Rates in May 2026: a Companion to the £12,000 Under-65 Cap Guide
Read more: Best Cash ISA Rates in May 2026: a Companion to the £12,000 Under-65 Cap GuideShort companion piece to the £12,000 Cash ISA cap guide. The best-buy easy-access and fixed-rate Cash ISA rates as of mid-May 2026, with notes on the new NS&I British Savings Bonds, FSCS protection, and how to use the full £20,000 allowance this tax year before the under-65 cap arrives in April 2027.
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OBBBA permanently raised the federal estate exemption to $15M: US estate planning after the July 2025 law
Read more: OBBBA permanently raised the federal estate exemption to $15M: US estate planning after the July 2025 lawThe One Big Beautiful Bill Act (July 2025) permanently raised the US federal estate and gift tax exemption to $15 million per person, or $30 million per married couple, with no sunset. State estate tax in roughly 12 jurisdictions still bites. Here is what changed, who benefits most, and where planning work still matters in…
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Dividend Tax Rates Have Gone Up: What the New 2026/27 Rates Mean for Investors Holding Shares Outside an ISA
Read more: Dividend Tax Rates Have Gone Up: What the New 2026/27 Rates Mean for Investors Holding Shares Outside an ISAFrom 6 April 2026, dividend tax rates rose by 2pp in the basic and higher rate bands. From April 2027, savings income tax rates rise too. What the new numbers actually mean for investors holding dividend-paying shares in a General Investment Account, and how the gap between in-ISA and out-of-ISA returns has widened.
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Making Tax Digital for Income Tax: Who Must Sign Up Now, What Happens If You Don’t, and What the Penalty-Free Year Really Means
Read more: Making Tax Digital for Income Tax: Who Must Sign Up Now, What Happens If You Don’t, and What the Penalty-Free Year Really MeansMTD for Income Tax is now in force. Sole traders and landlords with qualifying income above £50,000 must keep digital records and submit quarterly updates, with the first deadline on 7 August 2026. The threshold drops to £30,000 in 2027 and £20,000 in 2028. Here is exactly who is in scope, how the soft-landing year…
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Pension Inheritance Tax 2027: UK Estate Planning Guide
Read more: Pension Inheritance Tax 2027: UK Estate Planning GuideFrom 6 April 2027, unspent UK pension pots fall into the IHT estate. What’s changing, who’s hit hardest, and the 6 planning moves to consider before the 2027 deadline.
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529 to Roth IRA Rollover: Complete SECURE 2.0 Guide for 2026
Read more: 529 to Roth IRA Rollover: Complete SECURE 2.0 Guide for 2026Run the 529-to-Roth IRA rollover cleanly in 2026: the 15-year rule, $35,000 lifetime cap, $7,500 annual limit, the state-tax traps that catch people, and step-by-step execution.
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Tax-Loss Harvesting Strategy Guide (2026): Complete US & UK Implementation for DIY Investors
Read more: Tax-Loss Harvesting Strategy Guide (2026): Complete US & UK Implementation for DIY InvestorsCrystallise capital losses without tripping the US wash-sale rule or the UK 30-day bed-and-breakfasting restriction. 2026 figures, the ETF pairs that actually work, when automated services beat DIY, and the ten mistakes that quietly destroy most harvesters’ tax benefit.
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