Insights

Bryan Shepka

Partner and Head of Financial Services

22 December 2025

Financial Services

Financial Services Sector - predictions for 2026

As we look back at the predictions we made for 2025, one thing stands out: we were directionally spot-on. The themes we highlighted last year - AI adoption, long-term strategic investment, continued M&A activity, the evolution of Consumer Duty, and the growing importance of resilience - are still the forces shaping the industry.

Margaret Heggie

Tax Senior Manager

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18 December 2025

Private Client Tax

HMRC registration deadline for Trusts and companies coming in at the end of year

If you are a trustee or manage a company with investment income, please take note of an upcoming deadline that you may be required to comply with. The UK Government has introduced changes to the Automatic Exchange of Information (AEOI) rules, which impacts certain trusts, companies, and partnerships.

Fraser Kidd

Digital Advisory Senior Manager

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17 December 2025

Digital disaster? Time to go analogue

I had to smile (and shake my head a little) when I read the latest UK Government guidance: every business, regardless of size, should have its disaster recovery plan written down on paper and kept somewhere safe. Yes, actual paper. In this day and age.

Ruth Whyte

Digital Advisory Assistant Manager

11 December 2025

Business Advisory

Business transformation in 2025: Why it’s more urgent than ever

As we approach the end of 2025, it’s clear that the business landscape in the UK is evolving rapidly. From economic shifts to technological advancements, organisations are facing new challenges and opportunities. At Johnston Carmichael, we’ve been at the forefront, helping businesses navigate these changes through effective business transformation strategies.

Craig Hendry

Managing Director & Chartered Financial Planner

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27 November 2025

Autumn Budget 2025: our Wealth summary

Following the Autumn Budget and the announcements made, there were a number of changes and freezes, which will have a real impact on individuals’ financial planning. Our Wealth team have analysed these further.

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