Autumn Budget 2025: Why is Now the Time to Take Action?

As the 2025 Autumn Budget approaches, many entrepreneurs and professionals find themselves asking the same question: “Should I wait to see what changes are announced, or act now?”

The truth is, uncertainty can feel unsettling, but it can also be a catalyst for clarity. Taking small, intentional steps with your savings and investments today gives you control, no matter what the Chancellor says on Budget day.

At Oakmere Wealth, we believe financial planning is more than tax efficiency- it’s about helping you create a life of confidence, security and freedom. Here are the simple ways you can make the most of the current allowances available to you before potential changes arrive.

Do I Act Before the Autumn Budget?

1. Tax allowances aren’t guaranteed

Budgets often bring updates to how much you can save tax-efficiently. By using your ISA and retirement allowances now, you lock in today’s benefits and avoid losing valuable opportunities if future limits are reduced. However, there may not any changes or they may not be immediate so this must also be taken into account.

2. Grow and protect your wealth

Maximising allowances isn’t about short-term gains - it’s about long-term momentum. Each contribution compounds over time, helping you fund future plans, secure your retirement or protect your family’s financial wellbeing.

3. Confidence and peace of mind

Acting early removes the stress of last-minute decisions. You’ll know your finances are already aligned with your long-term ambitions - so you can face the Autumn Budget with clarity instead of uncertainty.

Practical Steps You Can Take Today

Review your ISA contributions

The annual ISA allowance offers efficient growth on your savings. If you haven’t yet used it in full, consider topping up before any potential changes reduce its value.

Check your pension contributions

Even small increases can have a big impact thanks to tax relief and compound growth. Adjusting your contributions slightly now could help maximise the benefits available this year.

Reflect on your bigger picture

Take a moment to review your wider financial plans. Are they aligned with your goals - whether that’s scaling your business, stepping back to spend more time with family or laying foundations for future independence? By clarifying this ahead of Budget day, you’ll know exactly what matters most to you.

Looking Ahead with Confidence

While none of us can predict the exact changes the Autumn Budget will bring, we can prepare. By reviewing your action plan now, you give yourself clarity, confidence and control whatever the Chancellor announces.

At Oakmere Wealth, we see financial planning as a partnership: it’s not just about numbers, but about supporting your ambitions, values and dreams, even in times of political change.

Ready to Take the Next Step?

With the Autumn Budget just around the corner, the window to make the most of this year’s allowances is may be shortening. A few intentional actions today could make a meaningful difference before any new rules are announced.

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, can change at any time and are generally dependent on on individual circumstances.

SJP Approved 25/11/2025