Monthly Archives: December 2025
Are You in the £2,000 Pension Trap? What the 2029 Salary Sacrifice Cap Means for Higher Earners
A quiet but important change to pension rules is coming in April 2029, and if you’re contributing to your pension through salary sacrifice, it’s worth understanding how it might affect you. From that date, only the first £2,000 per tax year of pension contributions made via salary sacrifice will be exempt from National Insurance. Employer […]
Posted in Pensions, Retirement Planning
The ISA Rule Change Coming in 2027 And What It Means for Your Savings
A major ISA shift is scheduled for April 2027, and it will matter to anyone under 65 who prefers to keep the bulk of their allowance in cash. From that date, only £12,000 of the annual £20,000 allowance can be paid into a cash ISA. Anything beyond that will need to go into an investment-type […]
Posted in Investments
Autumn Budget 2025: What It Means for Your Money and Financial Plans
The Chancellor’s Autumn Budget, announced on 26 November 2025, focused on long-term financial discipline, with changes that will be felt by higher earners, investors and homeowners over the coming years. While the main income tax thresholds are frozen rather than rising, and several investment tax rates are going up, many people could end up paying […]
Posted in Financial Planning