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How to help your farming clients navigate the 'tractor tax'
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In 2024, Britain’s faming communities marched to Westminster in protest against changes in the Autumn Budget to agricultural relief, which has been dubbed the 'family farm tax' or the 'tractor tax'.
In a bid to bring more tax into the nation's coffers, chancellor Rachel Reeves’ cut to APR will mean that from April 2026, a tax of 20 per cent will apply to agricultural assets over £1mn. Campaigners say this risks ringing the death knell for local farmers and the small businesses who rely on them.
So, how can financial advisers help all those affected when it comes to tax planning? Joining FT Adviser editor Simoney Kyriakou is Tom Bradshaw, president of the National Farmers' Union and an arable farmer himself.
The FTAdviser Podcast is designed to inform regulated UK advisers on a range of topics, covering investments, pensions, regulation and other key issues.
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Leaving Russia: How waging its war has undone years of reforms
30:46|On this episode of Margin Notes, author and financial journalist Jason Corcoran talks to editor Simoney Kyriakou about the risk of having invested in Russia - and the risk to Russia itself as a result of Vladimir Putin’s war on Ukraine. Corcoran, a former FT Adviser colleague, joined Financial News as head of asset management before being sent to Moscow as their correspondent in 2006, before working for Bloomberg and others in the Russian capital. That is, until the war in Ukraine forced him and his family to move to Ireland. His new book, Leaving Russia: howPutin forced a nation’s future to flee, is out now.
Exclusive: Why now is the right time for FCA's mortgage review
19:15|The FCA is looking to widen mortgage access for the self-employed, older borrowers, and those who may be paid in other currencies. But why now? We sat down with the FCA's director of retail banking Emad Aladhal, who shared the regulator's thinking behind the latest mortgage review.Is there a risk of buyer's remorse with AI?
34:14|A hype has built up around AI in advice businesses and with that comes the risk of buyer's remorse. FT Adviser reporter Hereward Mills chats to Damian Davies, head of engagement at The Timebank, and Peter McGahan, chief executive of Worldwide Financial Planning, about the risks around AI and how to ensure the technology fits your business.Why are transfers still broken in 2026?
22:45|The challenge of managing multiple pension pots is becoming increasingly common. Lisa Picardo, chief business officer at PensionBee, and Andrew Marker, chair of the cross-industry initiative Star, join deputy news editor Sonia Rach to discuss why pension transfers remain a critical part of improving engagement with retirement savings — and where the system is still falling short.The group also look at the current problems facing pension transfers and the barriers that can prevent savers from consolidating their pensions. Read more on the topic through FT Adviser's campaign: Tidy Up Transfers.Why the FCA is looking at bereavement now
24:43|Delays to transfers and confusing correspondence are just some of the reasons why the Financial Conduct Authority has turned its attention to bereaved clients.The FCA is reviewing how advisers and platforms handle bereaved customers, looking at service levels, fees and support offered.In an exclusive interview with FT Adviser, Kate Tuckley, head of department, consumer investments at the FCA, said the regulator was looking at processes from end to end in this space to improve client outcomes.
How fragile are our economic systems?
25:40|The strength of the international supply chain is “impressive”, but a crisis in any region can ripple down through to what we see on the shelves — and what we can afford. With us to discuss what overlapping climate, geopolitical and social risks can mean for investors is Trisha Mani, senior project manager within the ILG, at the University of Cambridge’s Institute for Sustainability Leadership.Fixed mortgage rates are on the up - what comes next?
28:27|Fixed mortgage rates have already risen since July and now the Bank of England has drawn up three scenarios for the future of the base rate as the war in Iran rages on. FT Adviser senior reporter Tom Dunstan chats with John Charcol's Raymond Bulger and Openwork's Scott Taylor-Barr about the impact of the Iran conflict on mortgages in the UK and what lies ahead.
How European ESG investors helped Putin fund his war on Ukraine
28:21|On this episode of Margin Notes, FT Adviser editor Simoney Kyriakou speaks with Sergei Cristo, author of new research from the University of Buckingham, which has revealed more than 400 SFDR-badged funds were deliberately investing in Russia right up to the February 2022 invasion, even as tanks were rolling to the border. This was not an inadvertent allocation: data shows these ESG funds deliberately added more exposure to Russian bonds and Russian companies to capitalise on rising yields and stock prices weeks after Putin had declared his intention to invade.UK equity valuations no longer as compelling for income investors
31:23|UK equities will always be a material part of an income portfolio, but valuations are not quite as cheap as they were. FT Adviser senior investments editor David Thorpe chats with Nick Stanhope, senior portfolio manager at Morningstar, Hillary Blandy who runs the Jupiter Monthly Income Bond fund, and Stuart Rhodes, manager of the M&G Global Dividend fund, about constructing income portfolios in the current climate