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The Budget 2025: What It Means for Your Financial Plan
After months of speculation, the Chancellor has finally delivered the 2025 Budget and while some feared sweeping changes, the reality is more nuanced. In this episode of clarityON, Chartered Financial Planner Daniel Smith is joined by Claire Brooks, Associate Technical Director at clarity, to break down what stayed the same, what’s changing, and what it all means for your financial planning.
What we cover:
- What didn’t change: Income tax rates, pension rules, Capital Gains Tax (CGT) exemptions, and Inheritance Tax (IHT) gifting rules remain untouched.
- What’s new: From dividend tax hikes and ISA restrictions to changes in VCT (Venture Capital Trust) relief and NI (National Insurance) savings on salary sacrifice, we unpack the key updates and timelines.
- Planning strategies: How to navigate fiscal drag, make the most of ISAs and pensions, and prepare for upcoming IHT and investment changes.
- Surprises and speculation: Why some rumoured changes didn’t happen, and what that tells us about future Budgets.
Whether you’re managing investments, planning for retirement, or simply want to stay ahead of rising tax burdens, this episode is packed with insights to help you make informed decisions.
Click here to read our guide on The Budget 2025.
Need advice on how the Budget affects you?
Book your free consultation or email enquiries@clarityglobal.com.
Disclaimer: The tax rates and rules discussed in this episode apply to England and Wales. Tax rates and allowances may differ in Scotland and other UK jurisdictions. Please seek advice specific to your location before making any financial decisions.
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Performance Disclaimer:
Past performance is not an indication of future performance. The value of your investments can go down as well as up.
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Please note that any opinions, analyses, or reviews provided on the podcast are those of the author alone.
All content reflects our opinion at a given time and can change as time progresses. All information should be taken as opinion and therefore should not be misconstrued for professional or legal financial advice.
clarity makes no representations as to accuracy, completeness, or suitability of any information and will not be liable for any errors, or omissions in this information.
Please contact your financial adviser if you require further support or assistance with any of the topics raised.
