In this special Budget edition of Let’s Talk Finance, Gary and Marcus cut through the speculation and noise to focus on what the Autumn Budget really means for your money.

With rumours swirling in the days before the statement, they explain which changes actually landed, which never materialised, and why this Budget is best understood as a slow-burn set of reforms rather than a sudden shock.

They explore the quiet impact of frozen income tax thresholds, why fiscal drag will affect far more people than many expect, and how pensions remain one of the most powerful planning tools despite years of headline anxiety. From salary sacrifice and childcare thresholds to tax-free cash, ISAs, dividend tax and savings income, this episode brings clarity to some of the most misunderstood areas of personal finance.

There is also a close look at property and rental taxation, the new high-value homes surcharge, and the sudden change to employee-owned trust exits for business owners. Finally, Gary and Marcus return to inheritance tax, outlining what did not change, what remains in motion, and what families should now be doing before future reforms arrive.

Measured, practical and grounded in real-world planning, this episode is about replacing fear with facts and using the next twelve months wisely.

To discuss your own circumstances, visit kdw.co.uk or speak to an independent financial adviser.

Disclaimer: This podcast is for information only. Please seek independent financial advice tailored to your personal situation.

For tailored advice and support, visit kdw.co.uk or come and see us in the heart of St Albans.

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