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.

Hosted on Acast. See acast.com/privacy for more information.

In this episode, Gary and Marcus discuss the implications of the Spring Statement for pensions, inheritance tax, and estate planning. With pensions set to be included in estates for inheritance tax purposes from 2027, many long-standing strategies are being reconsidered.

They explore how financial planning has shifted, why reviewing your income and asset structure is now essential, and what steps you can take to reduce your exposure to inheritance tax.

Key points covered;

Pensions and IHT – Why pensions may no longer be the most efficient way to pass on wealth.

Estate structure – The growing importance of giving assets away during your lifetime.

Business Property Relief – What’s changing in 2026, and how it can still play a key role.

Generational planning – Involving family in your financial decisions to protect long-term wealth.

Legal considerations – The role of wills, marriage, and power of attorney in effective planning.

With tax rules evolving and thresholds frozen, proactive planning is more important than ever. The earlier you review your position, the more options you’ll have to protect your estate.

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.

Hosted on Acast. See acast.com/privacy for more information.

In this episode, Gary and Marcus discuss the dramatic impact of Donald Trump’s declaration of “Liberation Day” on global financial markets. With sudden tariffs and international uncertainty, investors are understandably nervous. But is this a time for panic, or perspective?

Drawing on their decades of experience and client conversations, they offer calm, expert insight into what this kind of market turbulence means - and how to respond with confidence, not fear.

Key Topics Covered

• Trump’s “Liberation Day” and its immediate impact on global markets
• The role of shock events in investment cycles
• Why staying invested is often wiser than cashing out during volatility
• Understanding tariffs and their implications for business and trade
• The importance of having a clear investment objective
• How diversification and active fund management help manage risk
• Market history: COVID, inflation, and the resilience of long-term portfolios
• The value of phased investing (pound cost averaging) during uncertain times
• The emotional side of investing and managing client confidence

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.

Hosted on Acast. See acast.com/privacy for more information.