
Autumn Budget – forward thinking
The Autumn Budget may bring tax changes affecting pensions, IHT, savings and investments Speculation is high, but proactive planning can strengthen financial resilience ahead of

The Autumn Budget may bring tax changes affecting pensions, IHT, savings and investments Speculation is high, but proactive planning can strengthen financial resilience ahead of

Financial independence means working becomes optional, not essential Diversifying income beyond pensions offers lasting security and freedom A clear plan helps you align your later

Gen X savers are cautious, with over £34k on average held in cash savings Less than a third also invest, risking long-term value erosion from

Nearshoring is rising as firms prioritise bringing supply chains closer to home Trump Tariffs’ have only underlined the need for companies to explore their options

1 in 6 people don’t know who their pension would go to if they passed away Cohabiting partners are especially at risk of missing out

Only 30% of those aged 30 to 34 and 34% of those aged 35 to 39 have enough life cover to protect their family Households

Nearly 4 in 10 people in the UK are not on track for even a basic retirement lifestyle Understanding retirement income targets is key to

40% of life insurance policies in the UK are joint rather than individual Joint life insurance policies can prove problematic when a relationship breaks down

12% of HNWI’s are financially supporting both children and ageing parents Many dip into pensions or restructure finances to fund family gifts Balancing generosity with

IHT revenues are expected to hit £9.1bn in 2025/26, rising to over £14bn by 2030 Higher-rate taxpayers could miss out on £97,000 in extra pension
Call us or pop in for a coffee, scone and a chat!
© Copyright 2024 Home & Finance. All rights reserved.
Website by TOMD.
Home & Finance is registered in England and Wales.Registered office, 14 New Market St, Ulverston, Cumbria, LA12 7LN.
Authorised and regulated by the Financial Conduct Authority. Home & Finance General Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 300760 for General Insurance Products.
Authorised and regulated by the Financial Conduct Authority. Home & Finance IFA Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 135250 for Investment & Mortgage business.
A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.
© Copyright 2024 Home & Finance. All rights reserved. Website by TOMD.
© Copyright 2024 Home & Finance. All rights reserved.
Website by TOMD.
Home & Finance is registered in England and Wales.Registered office, 14 New Market St, Ulverston, Cumbria, LA12 7LN.
Authorised and regulated by the Financial Conduct Authority. Home & Finance General Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 300760 for General Insurance Products.
Authorised and regulated by the Financial Conduct Authority. Home & Finance IFA Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 135250 for Investment & Mortgage business.
A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.
© Copyright 2024 Home & Finance. All rights reserved. Website by TOMD.