In our first podcast episode, I’m joined by Katie McCann of Lowry Legal and Chris Hopkinson of Sentinel Risk for a lively discussion packed with valuable insights for business owners, professionals, and families navigating the post-Autumn Budget landscape.

In today’s economic climate, UK businesses are facing mounting financial pressures, and recent increases in National Insurance (NI) contributions have added to the challenge. For employers, this increase impacts not only the bottom line but also the delicate balancing act of remaining competitive in attracting and retaining talent. Amid these pressures, employers are exploring ways to ease the NI burden, with one increasingly popular solution being salary sacrifice pension scheme.

 The 2024 Autumn Budget introduced sweeping changes to inheritance tax (IHT) rules for pensions and business property relief (BPR), reshaping how families can pass on wealth to future generations. These reforms demand a fresh look at estate and succession planning to avoid unnecessary tax burdens. 

For families, income protection goes beyond just covering the bills. It means your children can stay in the same schools, you can keep the roof over your heads, and your family’s lifestyle remains intact while you focus on getting well.

Money is one of the top stressors for many people, affecting sleep, relationships, and even physical health. Without a plan, we can feel as though life is a series of financial curveballs, leaving us reacting rather than acting. Financial planning helps break this cycle by creating a roadmap. It replaces financial uncertainty with clarity, giving you a sense of control.

With an estimated £5.5 trillion set to be transferred to younger generations in the UK by 2050, planning for this transition is crucial.