The budget presents opportunities for advisers to demonstrate value through proactive planning and mitigating upcoming changes. Some actions are time-sensitive, such as using Cash ISA allowances before April 27, reviewing clients with significant dividend income before April 26, and addressing property income ahead of April 27. The most significant long-term shift remains the inclusion of pensions in the IHT regime from April 27, while the newly announced cap on pension salar

You could be forgiven for thinking that the run up to Rachel Reeves’ second Budget got underway in early summer. It was in June that the government climbed down on the winter fuel payment, while July saw cuts to disability benefits abandoned. Together those U-turns created a fiscal hole of around £6 billion by 2029/30. Given that in March 2025 Reeves had left herself only £9.9 billion of fiscal headroom, £6 billion was enough to fire the starting gun for speculation about Bud

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We have had several clients contact us regarding the upcoming Autumn Statement on the 26th November...