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Towerstone Accountants Launches Inheritance Tax Advisory Service Amid Upcoming Pension Tax Changes

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Bedford, United Kingdom – Towerstone Accountants has announced the launch of a specialized Inheritance Tax Advisory Service to help individuals navigate the significant upcoming changes to pension taxation. With new rules set to take effect in 2027, unspent pension funds will become subject to Inheritance Tax (IHT) at 40%, potentially impacting thousands of families.

Proactive Planning for Changing Tax Rules

For years, pensions have served as a tax-efficient way to pass down wealth. However, under the revised regulations, any remaining pension funds at the time of death will be included in the deceased’s estate, making them subject to IHT.

“Many individuals have structured their financial plans around the assumption that pensions are outside the IHT net,” said Christina Odgers, Managing Director at Towerstone Accountants. “This change requires a proactive approach, and our new Inheritance Tax Advisory Service is designed to help clients safeguard their wealth.”

Tailored Strategies for Tax Efficiency

Towerstone Accountants’ Inheritance Tax Advisory Service will provide personalized strategies, including:

  • Optimized Pension Withdrawals – Advising clients on the most tax-efficient ways to draw down their pension while reducing their estate’s taxable value.
  • Early Gifting Plans – Helping clients leverage HMRC’s tax-free gifting rules, ensuring funds reach their loved ones instead of being lost to tax.
  • Alternative Investment Planning – Exploring tax-efficient investment options, such as Business Relief-qualifying assets, to protect wealth from IHT.
  • Estate Structuring & Trusts – Assisting clients in setting up trusts and maximizing available allowances for spouses, civil partners, and charities.

Helping Clients Stay Ahead of HMRC

With the 2027 deadline fast approaching, Towerstone Accountants urges individuals to review their estate plans now.

“Waiting until the last minute could mean losing a significant portion of your inheritance to tax,” said Laura Stevenson, Estate Planning Expert. “Our team is ready to help clients develop robust tax strategies tailored to their needs.”

Book a Consultation Today

Towerstone Accountants is now offering free initial consultations for individuals concerned about the upcoming IHT changes. To learn more or schedule an appointment, visit https://www.towerstone.co.uk/ or contact the estate planning team directly.

About Towerstone Accountants

Towerstone Accountants is a leading advisory firm specializing in tax planning, wealth management, and estate strategies. With a team of experts dedicated to minimizing tax liabilities and preserving family wealth, Towerstone provides tailored financial solutions for individuals and businesses alike.

Media Contact:
Name: Christina Odgers
Organization: Towerstone Accountants Ltd
Phone: +44 
Email: Christina@towerstone.co.uk
Website: https://www.towerstone.co.uk/
City: Bedford
Country: United Kingdom

Media Contact

Organization: Towerstone Accountants Ltd

Contact Person: Christina Odgers

Website: https://www.towerstone.co.uk/

Email: Christina@towerstone.co.uk

Contact Number: +441234889034

Country: United Kingdom

Release Id: 24022524177

The post Towerstone Accountants Launches Inheritance Tax Advisory Service Amid Upcoming Pension Tax Changes appeared on King Newswire. It is provided by a third-party content provider. King Newswire makes no warranties or representations in connection with it.

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Open Dialogue Experts at NC ‘Russia’ Discuss Success Formula in the Economy of the Future

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Moscow, Russia – 08/10/2025 – (SeaPRwire) – An expert session of the Open Dialogue “Future of the World. New Platform for Global Growth” took place on October 7 at the National Center “Russia”. World-class experts participated in the discussion on “New Economy: Competition for Positive Development.”

The session participants were welcomed by the moderator, Deputy Chief of Staff of the Presidential Administration of the Russian Federation and Deputy Chairman of the National Center “Russia” Organizing Committee, Maxim Oreshkin.

“In the primary, secondary, and tertiary sectors of the economy, competition is being won by those who used to be called developing economies. Now these are the economies of the global majority. The key marginality of many markets is concentrated not in the production process itself, but in creating image, perception of ideas associated with certain products. I am confident that in production itself, in creating goods and services, in the new economy, the economy of the global majority is winning the competition step by step. The same will happen in the experience economy,” stated Maxim Oreshkin.

Experts discussed values and meanings as a factor of competitiveness. Using food production as an example, Sergey Ivanov, Executive Director and Board Member of EFKO Group, explained how through the presence of additional meanings, a product can become not just a commodity but a lifestyle and source of impressions.

“Branding is the experience economy. Only there, impressions are tied to the product and add emotional benefits to its rational benefits,” explained Sergey Ivanov.

According to him, the future of the primary sector lies in transitioning from price competition to competition for trust, emotions, and cultural significance of the product. The speaker also emphasized the importance of ethical considerations in the experience economy.

“At some stage of the experience economy’s development, there arose a temptation to separate emotional benefits from rational ones. To turn them from accompanying properties into a separate commodity. A modern corporation in its relationships with consumers most resembles a huge hulk who has seriously entered into a duel with a kindergarten child. Because modern marketing can impose and sell anything. Today’s experience economy is not just an emotion market. It’s a laboratory where human beings are being reassembled. If we don’t agree on rules and ethics, then the experience economy will with high probability destroy society from within,” noted Sergey Ivanov.

Continuing the theme, James Law, founder of James Law Cybertecture International (China), discussed how design, public spaces, and aesthetics create economic and social value, and how the level of impressions and user experience are becoming new performance indicators in architecture and urban planning.

“It can be confidently stated that in the new economy, cities based on impressions act as catalysts for well-being, competitiveness, and positive development,” emphasized James Law.

Dmitry Vasiliev, Development Director and co-founder of Karfidov Lab, touched on the value of creativity in industry. He stated that in the new economy, companies that integrate creativity into the value creation chain—from idea to end user—win.

“Creativity is becoming a real driver of industrial development: innovative design and non-standard engineering solutions enhance the competitiveness of production facilities. Therefore, modern industry must create not only functional products but also impressions that form trust and demand. Successful projects are born at the intersection of engineering competencies and creative approach—in the synergy of science, technology, and creativity,” Dmitry Vasiliev is convinced.

Nitaya Kanokmongkol (Thailand), Executive Director of the Fine Arts Department of Thailand, stated that impressions increase demand for art, forming an “economy of beauty.”

“Beauty is becoming a real economic value. Aesthetic impressions in museums and galleries stimulate cultural tourism, education, and creative industries. We try to balance between identity and globalization, preserving the authenticity of Thai culture and making national art attractive to international audiences, because new experience in content and meaning management can be formed even without using technology,” noted Nitaya Kanokmongkol.

Brian Gleeson (Ireland), General Manager of Radisson Collection Paradise Resort & Spa, continued the theme of “impression capital” in tourism and hospitality. He explained that implementing local culture and responsible practices can not only increase brand value but also stimulate the development of other industries, and what can help unlock the untapped potential of international tourism that Russia possesses.

“The bet on tourism led Ireland to become one of the world’s largest technology centers. We prioritized developing our country’s brand because it illustrates what we are. This is what I wanted to do in Russia as well. People from abroad must understand how hospitable the people are here, what incredible quality of service there is in everything related to the impressions industry. Five-million-population Ireland receives about 6 billion euros from international tourism. But our country will never compare to Russia. Your country’s marketing potential is enormous. Here you can use geographical features, UNESCO sites, cultural traditions, history, and much more,” concluded Brian Gleeson.

Felipe Buitrago (Colombia), Deputy Minister of the Orange (Creative) Economy, discussed how cultural and meaningful narratives form countries’ competitiveness and their “soft power.” He noted that the experience economy and “orange economy” should become strategic assets for states.

“The state should not just subsidize culture but also form an infrastructure of meanings, financing solutions and innovations. At the same time, we cannot forget about maintaining a balance between international competitiveness and preserving unique local cultural codes in the new economy,” noted Felipe Buitrago.

Producer, screenwriter, and director Mehret Mandefro from Ethiopia touched on the theme of local language and culture as an alternative to existing templates.

“In the conditions of the new economy, local cultures and storytelling traditions can compete with dominant Hollywood formats due to their authenticity. Moreover, local identity and cultural uniqueness act as competitive advantages in positioning projects on global platforms such as Netflix and Disney+, which contributes to forming large-scale content ecosystems—effective solutions for new economies,” concluded Mehret Mandefro.

Additionally, she emphasized that a global shift is occurring in the world of cinematography. Stories that are repeated have devalued and are uninteresting to anyone. The future belongs to authentic stories.

“Stories that have already been told don’t sell anymore—they’re often called plastic stories. Now we’re experiencing such a shift, a revolutionary change. New creative forms are emerging that use local language—it’s a whole cosmos. I believe there’s really great potential there; we can open up a whole new world in storytelling,” said Mehret Mandefro.

The International Symposium “Creating the Future” brings together participants from more than 85 countries worldwide, including China, USA, Italy, Latin American countries, the Middle East, Africa, and Southeast Asia. Among the guests are scientists, engineers, futurists, art, culture, and media figures, united by the desire to comprehend and shape tomorrow’s appearance.

The recording of the broadcast of the expert session “New Economy: Competition for Positive Development” of the Open Dialogue is available on the Russia.ru website and in the official social networks of the National Center “Russia.”

Social Links

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Contact for the media

Brand: Russia National Centre

Contact: Media team

Email: Pressa@russia.ru

Website: https://russia.ru

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From Code to Compassion: Rathi Murthy’s Journey of Mindful Leadership

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California, US, 8th October 2025, ZEX PR WIRE, Rathi Murthy is widely recognized as one of the most visionary technology leaders of her generation, a trailblazer whose career spans some of the most influential companies in the world and whose impact continues to redefine what is possible at the intersection of artificial intelligence, financial inclusion, and mindful leadership. Named among the Top Women in Tech, Murthy’s influence stretches far beyond the boardroom. She embodies a rare blend of technical mastery, business acumen, and human-centered leadership, positioning her as a role model for the next generation of innovators.

Today, Murthy serves as the Chief Technology Officer at Varo Bank, the first nationally chartered, all-digital consumer bank in the United States. In this role, she leads Varo’s end-to-end technology strategy, advancing its mission to deliver secure, scalable, and AI-powered digital banking platforms. Her vision is bold yet deeply practical: to build real-time, inclusive, and accessible financial solutions for millions of consumers who have historically been underserved by traditional banking systems. For Murthy, AI is not just a technology, it is a tool for social transformation, a force that can dismantle barriers and create pathways for financial empowerment.

A Career Forged at the Crossroads of Innovation

Murthy’s career trajectory is as impressive as it is inspiring. Before joining Varo Bank, she held senior leadership positions at some of the most dynamic organizations in technology, media, and financial services.

As Chief Technology Officer and President of Expedia Services at Expedia Group, Murthy led critical technology pillars across artificial intelligence, e-commerce, payments, and customer experience. She played a central role in modernizing Expedia’s global platform, helping the company reimagine the infrastructure that powers millions of bookings worldwide. Her leadership was instrumental in bringing agility, personalization, and innovation to a highly competitive travel industry.

Earlier, as CTO at Verizon Media, Murthy spearheaded global technology initiatives, driving innovations in 5G, AI, and media platforms. She also served as SVP and CTO at Gap Inc., where she created the digital transformation roadmap for the company’s family of brands, ensuring that the future of retail would be as immersive and data-driven as it was customer-focused.

Her prior roles include CIO of Enterprise Growth at American Express, where she built technology capabilities to support new business models, as well as senior positions at eBay, Yahoo, Sun Microsystems, and WebMD. Each role added new dimensions to her leadership philosophy, sharpening her expertise in scaling technology platforms while keeping people and experiences at the center.

Recognition and Influence

Murthy’s contributions have not gone unnoticed. She has been consistently celebrated as a force in global technology leadership.
• Top 100 Executive Women in Tech to Watch (2023) by WomenTech Network
• Top Woman in Cloud Innovation (2014)
• Most Influential Women in Payments (2015)

These honors reflect more than her accomplishments. They acknowledge her courage in breaking barriers, her commitment to mentoring other women in tech, and her determination to build a more equitable industry.

Mindful Leadership: The Art of Living

Beyond her corporate roles, Murthy is also a teacher of The Art of Living, a global movement dedicated to cultivating mindfulness, resilience, and community well-being. This practice is more than a personal pursuit, it informs her leadership style and her belief that technology must be aligned with humanity’s highest values.

For Murthy, mindful leadership is not a trend but a necessity. In a world where technology evolves at breathtaking speed, she believes that leaders must balance innovation with intention, ensuring that progress does not come at the expense of peace, well-being, or ethical responsibility. Her integration of mindfulness into her executive leadership is one of the qualities that set her apart in the tech industry. She leads with clarity, empathy, and purpose.

Board Service and Mentorship

Murthy is also deeply committed to shaping the future of education and innovation. She serves on the Board of Directors for PagerDuty, on the Board of Governors at Sri Sri University, and as an advisor to the University of San Francisco. She is also an active angel investor, supporting mission-driven startups in fintech, enterprise technology, and social impact. Through these roles, she empowers the next generation of entrepreneurs, ensuring that their ideas and innovations are nurtured with both resources and mentorship.

A Life Rooted in Purpose

Murthy’s journey is not just one of professional triumphs, it is a testament to living a life rooted in purpose. Her story reflects the power of resilience, adaptability, and continuous growth. Whether leading global teams at Fortune 500 companies, advising academic institutions, or teaching mindfulness to communities, Murthy approaches every role with the same conviction: technology must serve humanity, and leadership must serve others.

She holds a Master’s degree in Computer Engineering from Santa Clara University, where she honed the technical foundation that would fuel her ascent in the tech world. Yet her education did not end there. Her lifelong learning through corporate leadership, spiritual practice, and mentorship continues to shape her evolving vision of what technology and leadership can achieve.

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Darius McGrew Leads Frontier’s AI-Powered Push for Hurricane Preparedness Across Florida

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Canton, Michigan, 8th October 2025, ZEX PR WIRE, As Florida braces for another turbulent hurricane season, telecommunications executive Darius McGrew is stepping into the spotlight with innovative AI-powered strategies that are redefining how businesses and communities prepare for natural disasters. As an Enterprise Account Executive with Frontier Communications, McGrew has become a trusted partner to organizations across the healthcare, government, finance, and nonprofit sectors, ensuring they remain connected when storms threaten to disrupt everything.

A Local Leader in the Eye of the Storm

Tampa sits at the heart of one of America’s most hurricane-prone regions. For McGrew, storm season is not just another quarter on the sales calendar. It is a call to safeguard critical infrastructure. By utilizing AI-driven analytics, he has developed a system that categorizes enterprise clients based on risk zone, infrastructure resilience, and historical outage patterns. This allows him to design customized readiness packages that anticipate client vulnerabilities before disaster strikes.

“Enterprise businesses are facing several challenges at this time of year, but we are too,” McGrew said. “At an internet service provider, we must identify and develop replicable systems that can be quickly implemented across particular audiences. Resilient communications are not just about uptime. They are about safety.”

Delivering Resilience in Healthcare

Healthcare organizations, where downtime can endanger lives, are at the forefront of McGrew’s work. MedFleet, a regional medical transport provider, partnered with him to implement redundant internet connectivity, a step that ensures dispatch operations remain uninterrupted throughout storm season. At CoreRX, a Clearwater-based healthcare manufacturer, previous storms had exposed weaknesses in their landline system. During Hurricane Helene, intermittent connectivity created risks for essential operations. McGrew and the Frontier team addressed the issue by introducing cost-effective landline redundancy, a solution that transformed a vulnerable system into one built for reliability and long-term safety.

Municipalities Gain Strength Through Redundancy

Local governments, often on the front lines of disaster response, are also benefiting from McGrew’s approach. The City of Zephyrhills collaborated with him to implement landline redundancy, which enhances communication during severe weather while delivering long-term cost savings. The City of Aledo made a similar investment, ensuring that municipal operations can remain stable and reliable even in the face of heavy storms. These measures allow cities to maintain essential services and communicate with residents without interruption.

Financial Institutions and Nonprofits Benefit

Financial and nonprofit organizations have also sought McGrew’s expertise. Legend Bank, which was expanding with a new branch, relied on him to provide dedicated internet access that secures and stabilizes its financial operations. Meanwhile, Champions for Children, a Tampa-based nonprofit focused on abuse prevention, partnered with McGrew to enhance its inbound call system using RingCentral’s voice solutions. The upgrade ensures that donation calls are never missed, even during periods of high demand or storm-related disruptions, protecting vital revenue streams that fund the organization’s mission.

AI Turns Sales into Safety

Rather than relying on reactive measures such as mobile failovers, McGrew has pioneered an AI-powered outreach strategy that turns storm preparedness into a proactive campaign. By predicting which clients are most vulnerable, he can initiate conversations before disaster strikes. The result is tailored packages that keep hospitals, banks, city halls, and nonprofits connected when hurricanes threaten to sever lifelines.

“Every deal I close is more than a contract,” McGrew emphasized. “It is about making sure a hospital can reach its patients, a city can update its residents, or a nonprofit can answer a critical call for help. Connectivity becomes survival in the middle of a storm.”

Frontier’s Role in Storm Preparedness

Frontier’s extensive telecommunications infrastructure is the foundation of McGrew’s work. From redundant circuits and dedicated internet to cloud-based voice platforms, Frontier offers the tools required for business continuity in storm-prone regions. McGrew’s ability to combine these services with predictive AI models has positioned him as a leader in Florida’s disaster readiness efforts.

“AI-powered outreach and predictive planning have completely reshaped our ability to serve customers,” said McGrew. “By combining Frontier’s technology with forward-thinking strategies, we are not just meeting demand. We are anticipating it.”

Looking Ahead

As climate change fuels longer and more severe storm seasons, McGrew remains focused on expanding his work with businesses and municipalities throughout Florida. His vision is to ensure that no organization has to gamble with its connectivity when disaster looms. From MedFleet ambulances and CoreRX manufacturing lines to city governments and nonprofits serving families in need, his clients share a common goal: They have the confidence that their systems will stay connected when it matters most.

As Florida heads deeper into hurricane season, McGrew stands as a reminder that resilience is not simply about recovering after a storm. With the right strategies, it is about staying connected through it.

About Frontier

Frontier Communications is a leading telecommunications provider delivering high-speed internet, advanced voice services, and enterprise-grade connectivity across the United States. With a focus on reliability, innovation, and community resilience, Frontier helps businesses, governments, and nonprofits prepare for and overcome the challenges of natural disasters.

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Disclaimer: The views, suggestions, and opinions expressed here are the sole responsibility of the experts. No Digi Observer journalist was involved in the writing and production of this article.

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