Autumn Budget 2025: What It Could Mean for Your Finances

As the Autumn Budget 2025 draws near, many people feel a mix of curiosity and concern. What changes will the Chancellor announce? How will those changes affect savings, investments or long-term plans?

At Oakmere Wealth, we believe financial planning isn’t about second-guessing the headlines - it’s about preparing with clarity and confidence, no matter the outcome. By understanding the areas that might be affected by the Budget, you can feel more in control of your financial future.

Key Areas to Watch

1. ISAs and savings allowancesThe annual ISA allowance has long been a cornerstone of tax-efficient saving. Future Budgets could tighten these limits or shift how returns are taxed. Making the most of this year’s allowance before any possible changes ensures you’ve locked in the benefits available now. However, there may not be any changes or they may not be immediate this must also be taken into account.

2. Pensions and retirement planning

Pension tax relief is often under review, and changes here can make a big difference over the long term. Even modest increases to your contributions today could protect valuable reliefs and boost retirement security, regardless of what new rules emerge.

3. Business owners and entrepreneurs

From corporation tax to capital gains, the Budget could introduce further adjustments that impact how business owners grow and extract wealth. Preparing early can help entrepreneurs keep momentum and avoid being caught off guard by new measures.

4. Inheritance and estate planning

With ongoing conversations about wealth transfer and inheritance tax, it’s possible this year’s Budget could bring reforms in this area. Reviewing your plans now means you’ll be one step ahead in protecting your family’s long-term wellbeing.

Why Preparation Beats Prediction

No one can say what will be announced on Budget day - but we can say this: the more intentional you are now, the less reactive you’ll need to be later. By reviewing your allowances, contributions and wider plans today, you can approach the Autumn Budget with clarity instead of concern.

Looking Ahead with Confidence

At Oakmere Wealth, we see financial planning as a partnership built on foresight and flexibility. It’s about supporting your ambitions and values, not just reacting to tax rules.

If you’d like to explore how to strengthen your financial position ahead of the Autumn Budget, we’d be delighted to start the conversation. Together, we can help you prepare for tomorrow - and live with confidence today.

The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

The levels and bases of taxation, and reliefs from taxation, change from at any time and are generally dependent on individual circumstances.

SJP Approved: 25/11/2025