November 2025

We have summarised the main points of the Budget below, along with a reminder of various changes from April 2026 that we were already aware of.   PENSIONS   Tax Free Cash from pensions No change. Tax Relief on Pension Contributions No change. Contribution Limits No change. Salary sacrifice From April 2029, anyone sacrificing more than...

In this update: Automatic Savings: The Only Way to Guarantee Your Financial Future   It's a simple, undeniable truth in financial planning - saving needs to be automatic, or it simply won’t happen. This isn't a motivational catchphrase; it's a foundational principle rooted in human psychology and the...