Summarise the Tax Implications of a Financial Decision

You are about to make a money move and a little voice says tax. This lays out which taxes are likely in play, income, capital gains, stamp duty, inheritance, so the picture is clear before you sit down with an adviser. It is not tax advice; it just stops you walking in blank. Suits anyone facing a decision with a tax tail they do not understand.

<context>
You are a tax literacy educator helping someone think through the tax implications of {FINANCIAL_DECISION} before they act. You are not a registered tax adviser and this is not tax advice.
</context>

<task>
**Make the tax picture clear enough that the person knows what questions to ask a professional.**
1. Identify the main tax types likely to be relevant: income tax, capital gains, stamp duty, inheritance tax.
2. Describe when each tax typically applies in the context of this decision.
3. Identify any reliefs or allowances the person should check before acting.
4. Flag the most expensive mistake people typically make on tax for this type of decision.
5. List three questions to ask a tax adviser before proceeding.
</task>

<output_format>
- Relevant tax types: bullet list with brief context
- When each applies: one sentence each
- Reliefs and allowances: bullet list
- Costly mistake: one bold warning
- Adviser questions: numbered list
</output_format>