Greetings Friends of Oury Clark,

Ah, February. The perfect month to show your loved ones you’ve truly thought ahead by being prepared. It may not be glamorous, but it is the kind of lasting love Hollywood forgets – no rom‑com hero has ever whispered, “Darling, I consolidated my ISA for you,” though that’s the kind of love worth celebrating.

With Valentine’s Day reminding us to care for the people who matter (including ourselves), a financial check‑up might be the most thoughtful gesture of all. So, consider this your modern love story: Your Financial Health Checklist.

Need a hand? Get in touch and we’ll introduce you to our very own modern‑day Cupid – fully clothed and highly qualified.

To get started, use our Legacy Ledger to record all your most important information in one safe place. Contact us for your copy.

For more information, read our latest Financial Service Guides.

IHT Relief Changes: The Big Update

Just before Christmas, the Government revised its planned cap on 100% Business Property Relief (BPR) and Agricultural Property Relief (APR).

Originally set to start on 6 April 2026, the proposal would have limited full relief to the first £1m of qualifying assets, with anything above dropping to 50% relief – a major concern for business owners and farmers. After strong lobbying (and a few tractors in London), the cap was increased to £2.5m per person and remains transferable between spouses or civil partners, giving couples up to £5m at 100% relief. Anything above still receives 50% relief.

Key rules remain unchanged: assets must still meet existing BPR/APR criteria, APR requires strict occupation and usage tests, and the cap applies across both reliefs – meaning mixed estates need careful planning.

Bottom line: the change softens the impact, but larger estates will still see higher IHT exposure and increased HMRC scrutiny. Now’s the time to review succession plans, structures, and gifting to maximise reliefs. Get in touch if you need help planning ahead.

Love is in the Air… and Business Without BS is back On Air

The Business Without BS podcast is back – louder, smarter, and still gloriously waffle‑free. Think of it as The Alternative MBA: all the essential business lessons, minus the fluff, and the terrifying price tag.

We’re kicking off with an episode on the key things to consider to look after your loved ones, featuring Oury Clark advisors Andrew Thomas, Jemma Hotta, and Andy Oury. You won’t want to miss this return of Business Without BS!

If you would like a copy of Oury Clark’s Legacy Ledger, contact our team to claim yours now.

Upcoming Trips

Get in touch to have a chat with our team when they visit:

• Texas, USA – 6th-16th March 2026 (Jemma Hotta & Paul Webster)
  • • • Including Austin, Dallas, Houston & San Antonio.
• East Coast, USA – 9th-12th March 2026 (Rachel Lockwood & Hesham Shoeb)
  • • Including Boston & Atlanta.

Find us on LinkedIn to keep up to date with our travels and any upcoming events.