Carl Emmerson, Deputy Director of the Institute for Fiscal Studies, and Tom Selby, Director of Public Policy at AJ Bell, delve into the UK’s escalating tax burden, projected to hit 38.2% of GDP. They explore practical strategies for individuals to safeguard their finances from rising taxes, highlighting the merits of ISAs and the value of pension schemes. The duo also addresses the potential risks of over-investing in cash ISAs and offers insights into tax-efficient options like VCTs, ensuring listeners are equipped to navigate the intricacies of personal finance.

Chris Etherington, a tax expert from RSM UK, and Tom Selby, a pension specialist from AJ Bell, dive into the implications of Chancellor Rachel Reeves's Spring Statement. They discuss welfare cuts and tax enforcement, and how these changes could affect taxpayers, small businesses, and housing. The duo also highlights the complexities of fiscal drag, the burden on pensioners, and the urgent need for better financial guidance. Amidst all this, they sprinkle in some optimism, encouraging listeners to find joy in their financial journeys.

Jenny Ross, the Which? Money editor, and Tom Selby, Director of Public Policy at AJ Bell, explore the critical decision of accessing your pension. They break down the intricacies of annuities versus pension drawdown, discussing the benefits and risks of each method. With insights into the evolution of pensions since 2015, they emphasize the importance of comparing rates and providers. Listeners gain valuable advice on navigating pension options, understanding associated costs, and making informed retirement planning decisions.