Even without getting into the complicated tax legislation and number-crunching, the first thing we see is that most workers never get the full benefit of their allowances.

If you’ve not heard about this before, don’t worry; it’s just not something that most people ever get taught, either at school or in work. The rules are hard to get your head around, and even trying means reading pages and pages of HMRC regulations. That's what RIFT are here to help you with.

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