Guides
Plain-English guides for families
Gifts, Inheritance Tax, paying for care, NHS Continuing Healthcare and being an attorney, explained in plain English. Every figure is checked against official sources for the 2026/27 tax year.
Gifts and Inheritance Tax: the 7-year rule explained
How lifetime gifts are treated, which are exempt straight away, and what taper relief really does.
Gifts from surplus income: the records HMRC expects
The three conditions for regular gifts from income, and the yearly figures an executor will need.
Paying for care: the savings limits and when to contact the council
Capital limits in each UK nation, how the home is treated, and why timing your first contact matters.
NHS Continuing Healthcare: how to keep evidence for an assessment
The Checklist, the 12 care domains, reviews and appeals, and what to write in a daily care diary.
Deprivation of assets: gifts, care and what councils look at
What councils consider when money has been given away, and why noting the reason for a gift matters.
Being an attorney: the records you should keep
Your duties under a lasting power of attorney, the limits on gifts, and what the OPG may ask to see.
These guides explain published rules in general terms. They are not financial, tax or legal advice. For decisions about money, property or care, you may want to ask a regulated financial adviser or a solicitor.
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