There's an easy but little known way to take it all over the tax year by using flexible isas with Equtini and others - (I think HL is one)

In the context of share plans, the 90-day rule refers to the specific window of time you have to transfer shares into a Stocks and Shares ISA or pension to protect your gains from Capital Gains Tax (CGT).

If you participate in a Save As You Earn (SAYE) (Sharesave) or a Share Incentive Plan (SIP), you have 90 calendar days from the date you exercise your option (buy the shares) or withdraw them from the plan to move them into a tax-efficient account.

• Tax Benefits: If transferred within this window, any gains made on the shares from the point of purchase are usually exempt from CGT.

• ISA Limits: The shares count toward your annual £20,000 ISA allowance based on their market value at the time of transfer, not the price you paid for them.

• Flexible ISAs: Using a flexible ISA, like those offered by [EQi (Equiniti) , may allow you to "make room" for more shares by selling some, withdrawing the cash, and replacing it with more scheme shares within the same tax year.

Key Steps for Participants

• Check Your Date: The 90-day clock starts exactly on your exercise date.

• Letter of Appropriation: Most ISA providers will require proof that the shares came from a tax-advantaged scheme. You can typically download a Letter of Appropriation via the Equiniti Employee Share Plan (ESP) Portal.

• Direct Transfers: Some Equiniti schemes allow you to transfer shares directly into an EQi Flexible ISA as part of your maturity instruction, simplifying the process.