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Financial advisers, onshore bonds, do you need more?

Journalist: Laura Miller, Freelance

ended 10. February 2026

I'm working on a piece for Professional Adviser today about onshore bonds off the back of a couple of onshore bond announcements you may have seen:

1. Countrywide Assured partners with AJ Bell to expand access to its onshore bond

2. Standard Life revamps Onshore Bond and re-enters market in anticipation of tax rule changes

Also this tax planning announcement from AJ Bell

AJ Bell Investcentre launches third trust to bolster adviser tax planning suite | AJ Bell

My questions are:

  • what is the driving momentum of these launches?
  • what does the expansion of the onshore bond market tell us?
  • to what extent do advisers and their clients want/ need these new launches/tools?
  • anything else?

Would you be able to get back to me with some thoughts asap today please?

Many thanks

Laura


 

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Jess Best
Independent Financial Planner at McLaren Capital
Onshore bonds are an incredibly useful tool in the wealth management space providing an investment vehicle that can provide flexible retirement income and intergenerational wealth planning. With raising tax rates, sticky inflation and the ever growing inheritance tax conundrum, onshore bonds provide an excellent opportunity for managing client money especially where they may be additional rate taxpayers now but lower rate later in life. Clients increasingly want more tax-efficient investment opportunities and as an Independent Financial Planner we certainly welcome more products in the marketplace.