What the 2025 Autumn Budget Really Means for Wealth Builders

2025-12-10

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Key Topics Covered:1. Budget Headlines & Tax ChangesMore taxes on recurring income, dividends, and savingsBusiness owners face higher dividend charges and new limits on passing businesses to heirsEmployee Ownership Trusts (EOTs) and Business Property Relief (BPR) now have stricter tax limits2. Impact on Pensions & InvestmentsState Pension increase staysLimit on salary sacrifice for pensionsLower Cash Individual Savings Account [ISA] limits for under 65sHigher taxes on investment products3. Practical Advice for...

Key Topics Covered:

1. Budget Headlines & Tax Changes

More taxes on recurring income, dividends, and savings
Business owners face higher dividend charges and new limits on passing businesses to heirs
Employee Ownership Trusts (EOTs) and Business Property Relief (BPR) now have stricter tax limits

2. Impact on Pensions & Investments

State Pension increase stays
Limit on salary sacrifice for pensions
Lower Cash Individual Savings Account [ISA] limits for under 65s
Higher taxes on investment products

3. Practical Advice for Wealth Builders

Diversify across the “seven pillars of wealth” and focus on recurring, controllable income
Use tax-advantaged structures (like SSAS pensions) and keep an eye on changing rules
Pay close attention to recurring expenses, tax, fees, and debts – control what you can

4. Action Steps & Tools

Don’t get overwhelmed – take small, regular actions each month
Use WealthBuilders’ free budget guide, calculators, and resources for clarity
Executors now have 15 months (instead of 6) to report pensions for inheritance tax, but tax is still due in 6 months – plan ahead

Actionable Takeaways

Review how the new budget changes affect your income, business, and retirement plans
Make use of tax reliefs and allowances while they last, especially if you’re a business owner
Stay proactive: download guides, use calculators, and get advice tailored to your situation
Don’t let complexity stop you – small, consistent steps lead to more control and certainty

Resources & Next Steps