WealthTalk - money, wealth and personal finance.

What the 2025 Autumn Budget Really Means for Wealth Builders

Episode Summary

Christian Rodwell and Kevin Whelan unpack the latest UK budget and what it means for business owners, property investors, and retirees. They break down the key tax changes, highlight what’s getting more restrictive, and share practical steps to help you protect your wealth and plan ahead without getting overwhelmed by all the new rules.

Episode Notes

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

Connect with Us:

Listen on Spotify, Apple Podcasts, YouTube, and all major platforms.

Next Steps On Your WealthBuilding Journey:  

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

If you have been enjoying listening to WealthTalk - Please Leave Us A Review!