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

• Access our WealthBuilders' Autumn Budget Report 2025
• Check your State Pension forecast
• Calculate your Inheritance Tax Bill - Free Online Calculator
• Download our FREE Pensions and Inheritance Tax Guide
• WealthBuilders Membership: Free access to guides, webinars, and community

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• Join the WealthBuilders Facebook Community
• Schedule a 1:1 call with one of our team
• Become a member of WealthBuilders

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