This comprehensively updated edition of the RSM Bentley Jennison Financial Management's Personal Financial Planning Manual is an invaluable UK reference guide to creating coherent tax-efficient personal financial plans. Offering unrivalled personal financial expertise and know-how, this well-respected annual is an essential source of reference and advice to both UK professional advisers and individuals keen to exercise greater control over their financial affairs. Complex UK tax rules and regulations are clearly explained, and the jargon-free 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 identification of answers to financial planning queries. Whether dealing with investments, pensions, life insurance, mortgages, income tax, capital gains tax, inheritance tax, or family finances, the book - updated to the latest Finance Act - is the definitive guide to all aspects of financial planning.