Tax planning is key to optimising tax relief and allowances for a robust financial plan for life, work and family.
Welcome to the ammu
Tax Planning + Advice Hub
ammu Hub Expert Emily Wilson
Our hub gives you the facts, case studies and resources to help with tax planning and plan for the future.
We’ll give you the advice and support you need to optimise your tax relief and allowances and make the right decisions for you today and for tomorrow.
Recent News + Blogs
Autumn Budget 2024
The first Budget from a Labour government since March 2010, and the first ever from a female Chancellor, proved to be the defining event that had been widely anticipated. From the moment in late July when Rachel Reeves unveiled her […]
Autumn Budget 2024 – Highlights
The Autumn Budget 2024 introduces a range of significant tax and financial adjustments aimed at addressing fiscal pressures and funding essential services. Here are the key changes, from national insurance increases to adjustments in inheritance tax and property levies, that […]
Autumn Budget 2024 – NI Contributions
The 2025/26 National Insurance Contributions (NICs) framework, as outlined in the Autumn Budget, includes adjustments to rates and thresholds impacting employees, employers, and the self-employed. This table provides an overview of NICs rates, exemptions, and key limits, including employer contributions […]
Autumn Statement – Personal Tax
Income tax The personal allowance will remain at £12,570 for 2024/25 and the higher rate threshold will stay at £50,270, both levels that first took effect in 2021/22. The blind person’s allowance will be increased to £3,070 for 2024/25. In […]
Autumn Budget 2024 – Personal Taxation tables
The following tables summarize the main personal tax rates, allowances, and reliefs set out in the Autumn Budget 2024. Covering income tax bands, savings, dividend allowances, and specific provisions for Scottish taxpayers and trusts, these tables provide a quick reference […]
Increased income – the double-edged sword
Increased income means more than just taxes. Lost benefits & higher tax rates loom. Pensions & ISAs can help navigate the tax trap.
Moving to Scotland – the cost in tax
Calculate the tax impact of relocating to Scotland. Understand income tax rates, bands, and changes from April 2024.
Are You Owed Money? Exploring Unclaimed Pension Tax Relief in the UK
Did you know that over £1.3 billion of pension tax relief has gone unclaimed by the highest earners in the UK? The pension provider PensionBee analysed unclaimed pension relief between 2016 and 2021, and revealed a staggering amount of unclaimed […]
Taxing wealth – a viable option?
As we look ahead to the Budget on March 3 – a full update will be published on ammu.uk shortly after the Chancellor’s statement – it is worth looking at some of the issues that may well be under consideration. […]
Reclaiming overpaid inheritance tax
Inheritance tax (IHT) is expected to raise £37 billion over the next five years – £10 billion more than in the past five years. But IHT is sometimes overpaid and it is reported that families have made 32,000 claims for IHT […]
Charitable giving pitfalls
Many individuals donate to charity simply for altruistic reasons, but this doesn’t mean the tax benefit should be ignored. With Gift Aid donations saving tax at an individual’s marginal rate, donors need to watch out for any pitfalls that might […]
Recovery of VAT on Electric car charging
The Government is committed to encouraging more and more people to drive electric cars and have reduced or eliminated the income tax benefits of providing electric company cars or charging points for employees. Since 6 April 2019 there has been […]
Could an employee ownership model help you to build a better business?
Businesses such as John Lewis are famous for being pioneers of the employee ownership model. When employees own a stake in a company it can create a positive culture. Businesses tend to move to an employee-owned model at different points […]Guides, Factsheets + Events
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UK and Scotland Personal and Business Tax Rates
Tax rates, reliefs and allowances: UK and the Scottish income and property taxes. -
Tax Matters
With ideas affecting income and investment, for couples, company directors and employees, and self-employed people, there will be something for everyone. -
Tax Services
How can you make tax work for you? Effectively managing your tax affairs
