This comprehensively updated new edition of RSM Tenon: Personal Financial Planning Manual is an invaluable reference guide to creating coherent tax-efficient personal financial plans in the UK. Offering unrivaled personal financial expertise and know-how, this well-respected annual is an essential source of reference and advice to both professional advisers and individuals keen to exercise greater control over their financial affairs. Updated to the latest UK Finance Act, RSM Tenon: Personal Financial Planning Manual is quick and easy to use. Complex UK tax rules and regulations are clearly explained, and the accessible text ensures the reader can confidently create a tax-efficient financial plan no matter how experienced they are on this subject. Each section has a contents list for easy reference, a detailed introduction, and clearly presented 'boxed' tables for each product, enabling quick answers to financial planning queries. Whether dealing with investments, pensions, life assurance, mortgages, income tax, capital gains tax, inheritance tax, or family finances, this book will be the definitive guide to all aspects of UK financial planning.