As Chancellor John Healey prepares to deliver his first Autumn Budget, speculation is mounting over where the government could raise additional revenue. With the main rates of Income Tax, National Insurance and VAT ruled out, attention could be turning to Capital Gains Tax, property, wealth, pensions and frozen tax thresholds. On page 08, we explain what might change, the potential impact on your finances and why reviewing your financial position ahead of the Budget could help you prepare rather than react.

Retirement should be a time to enjoy the life you have worked towards, but without careful planning, your savings may not stretch as far as you expect. On page 04, we explore five essential questions to help you assess your retirement goals, income needs, pension savings and potential risks, and explain why professional advice can help you build a more secure financial future.

Many families may be missing out on a valuable Inheritance Tax (IHT) exemption that immediately exempts qualifying regular gifts from surplus income. Turn to page 03 to discover how the ‘normal expenditure out of income’ rules work, the conditions you must meet and why careful record-keeping is essential, particularly as IHT rules are set to change from April 2027.

Pension scams are becoming increasingly sophisticated, putting years of retirement savings at risk. On page 06, we highlight the warning signs to watch out for, including unsolicited approaches, unrealistic returns and high-pressure tactics, and explain how to check whether an adviser or firm is authorised. Taking time to verify an opportunity could help protect your pension from fraud.