Clare Moffat: Six issues to consider when a client is a cohabitee

Financial planning implications

clock • 5 min read

While the question of legally formalising their relationship will be personal to any client, giving cohabitees all the facts in relation to what they are or are not entitled to is important, writes Clare Moffat

Theresa May announced at the Conservative party conference that legislation would be amended to allow mixed sex couples to have a civil partnership in England and Wales. This comes after the Supreme Court unanimously ruled that only allowing same-sex civil partnerships was incompatible with the European Convention of Human Rights. The Scottish government is currently consulting on this issue but a similar decision could be made. These events can have a significant effect on your clients' financial planning. It is fair to say that some people do not like the idea of marriage. The coupl...

To continue reading this article...

Join Professional Adviser for free

  • Unlimited access to real-time news, industry insights and market intelligence
  • Stay ahead of the curve with spotlights on emerging trends and technologies
  • Receive breaking news stories straight to your inbox in the daily newsletters
  • Make smart business decisions with the latest developments in regulation, investing retirement and protection
  • Members-only access to the editor’s weekly Friday commentary
  • Be the first to hear about our events and awards programmes

Join

 

Already a Professional Adviser member?

Login

More on Tax planning

Budget 25: Key takeaways from Autumn Budget 2025

Budget 25: Key takeaways from Autumn Budget 2025

Eight key takeaways

Linus Uhlig
clock 27 November 2025 • 4 min read
Partner Insight: Inheritance Tax, pensions and the waiting game: Conversations to have now

Partner Insight: Inheritance Tax, pensions and the waiting game: Conversations to have now

With Inheritance Tax expanding and pensions coming into scope, now is the time for advisers to engage clients. Discover how to turn uncertainty into opportunity with strategic estate planning conversations.

Nick Priest Partner and Head of Strategic Partnerships, Downing
clock 26 November 2025 • 9 min read
Budget 25: Changes to IHT on pensions rules for personal representatives

Budget 25: Changes to IHT on pensions rules for personal representatives

Will be able to instruct scheme administrators to pay

Isabel Baxter
clock 26 November 2025 • 3 min read