I need some advice. I have a sharesave held over a period of 10 years (max amount every year). I've always purchased the shares (rather than take the savings because the shares have always increased in value) and they've gone up over the years to the extent that its now worth in excess of £110k. But recently I've been made aware of changes that are coming to capital gains tax which could potentially mean that i may have to pay 40% tax on any profits i make over my annual personal allowance. I'm not very financially savvy and would like to ask opinions on what you would do if in this situation. I'd be quite happy to transfer to my spouse to maximise our personal allowance for CGT purposes but there have to be other ways as well that i havent thought of.