With the upcoming Autumn Budget scheduled for Wednesday, 26 November 2025, delivered by Rachel Reeves as Chancellor of the Exchequer, it’s understandable that you may be wondering how it will affect your financial plan.
At Clarity Wealth Limited, we’re keeping a close eye on all of the developments — and we want to reassure you: there’s no need to make any knee-jerk reactions. Instead, we’ll review any changes carefully and discuss the individual implications for your situation as soon as the full detail is published.
Why there’s no need to worry (yet)
- The Chancellor has emphasised that the aim is to “fix the foundations” of the economy, rather than surprise individuals with major, unexpected changes.
- Many of the big announcements will apply across broad groups (e.g., government spending, taxation policy) and may not require you to act immediately.
- As your adviser, Clarity Wealth Limited will pick up on the important items for you — and we’ll contact you where your plan needs adjusting. This ensures you don’t act prematurely (or at the wrong time).
Some of the headline topics on Rachel Reeves’ agenda
Here are a few of the areas that observers expect to feature in this Budget — and which we’ll be watching carefully:
- Tax reform and potential increases
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- The independent Institute for Fiscal Studies has highlighted that tax rises are “on the table” if borrowing and spending cannot balance.
- Ms Reeves has confirmed that both tax and spending will be reviewed.
- Possible targets: wealth and property taxes, capital gains tax, or “fiscal drag” from frozen thresholds.
- Housing, mortgages and property-related measures
- The housing market remains under pressure, with mortgage rates, affordability and taxation all in scope.
- Property owners and investors should pay particular attention to any changes in reliefs or tax rates.
- Long-term spending, infrastructure and growth
- The government is signalling emphasis on “growth” and infrastructure investment rather than simply cuts.
- These may not impact you immediately, but they may influence the economic backdrop and planning assumptions.
What this means for you
- Do not make rash changes such as shifting all your investments, selling property impulsively, or altering your pension strategy before we’ve had the chance to review the detail with you.
- We will reach out individually if we assess that your particular tax, pension or investment arrangements may be affected.
- If you have questions now (for example, if you have significant property interests, high-wealth matters, or upcoming transactions) please let us know and we can begin to pull forward our review so you’re prepared in good time.
- Remember that planning is a long-term process: while Budgets make headlines, the real impact often comes gradually. At Clarity Wealth Limited we help you stay on track for your goals, no matter the political announcement.
If you’d like to schedule a preliminary review session or simply discuss what might be relevant for you, please don’t hesitate to get in touch with us at your convenience.
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