Page 70 • The HERALD • 20th November 2025 v WE’VE BEEN YOUR LOCAL SINCE 1994 v ASK A PROFESSIONAL What Changes Will Be in the Autumn 2025 Budget? by Michael Osman, Oyster Financial Planning government whoever they are always have tough choices. I just think we are heading for a poorer future and taking away incentives for people to save for that future to put themselves in the best decision nancially is really important. Whatever is announced if you have any questions or concerns about how the changes may a ect you and your family please do get in touch. Pop in the o ce in Hythe Village, call: 023 8084 8410 or email: michael@oyster nancialplanning.co.uk e Chancellor Rachel Reeves will be presenting her second Budget on 26th November. As with last year’s rst Budget there has been lots of speculation around what she may or may not do to try and help and grow our nation’s economy. Last year media attention was focussed on reduced or restricted tax-free cash on pensions, a reduction in tax relief on pension for higher rate taxpayers and increases in taxation. Other than the National Insurance increase for employers, which was her main tool to reduce any budget de cit, nothing that was speculated on really actually happened. e surprise was that from April 2027 de ned contribution (personal pensions to you and me) pension funds were to form part of a person’s estate for inheritance tax purposes. is was a big shock. is time we have speculation again about our savings and pensions. Potential restrictions on Cash ISA investments have been strongly suggested, reduced or restricted tax free cash is again on the radar along with reduced tax relief on pension contributions, amendments to the State Pension triple lock. Whatever does happen lots of your short, medium and long-term plans nancially are going to be impacted in one way or another. Regardless of whatever changes are announced, there is always a way to navigate the governments planned changes to our everyday nancial lives, you just have to know where to nd the help and what to do when you nd it. Michael Osman, Oyster Financial Planning Increased taxes of all descriptions have again been suggested but no government ever seems to want to do this. ey would rather tinker with rules than simply increase taxes. is article is not a political article just that the Upcoming Oakhaven Business Club Networking Events Oakhaven Business Club runs regular networking events with local businesses across the New Forest, Waterside and Totton. Businesses can pay-as-you-go per person per session, or become an annual member. Thursday 29th January, 10am–12noon, kick o the New Year in style with a delicious cream tea at Stanwell House with guest speaker Tina Worthing from Aventina Training who will be talking all about prioritising for the year ahead, £15. For more information about how to join the Oakhaven Business Club or to book a space for one of their networking events please visit: www.oakhavenhospice. co.uk/oakhaven-business-club
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