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Anglian Wealth Management

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Anglian Wealth Management

We are a bespoke and high-level personal service advising on all areas of wealth management in East Anglia.

28/10/2026

Autumn Budget 2026 | Five announcements worth knowing

This afternoon, the Chancellor has delivered the Autumn Budget, with measures affecting savings, retirement income, property and family finances.

Here's our summary of the key financial planning headlines:
• £20,000: The annual Cash ISA allowance is being retained.
• 24%, 44% and 49%: The new Income Tax rates on taxable savings income from April 2027.
• April 2027: Most unused pension funds will enter estates for Inheritance Tax calculations, as previously announced.
• £3,000: The Income Tax trading allowance will increase from £1,000 to £3,000 from April 2027, providing additional flexibility for those with smaller amounts of self-employed or trading income.
• April 2029: A new First Time Buyer ISA will replace the Lifetime ISA for new savers.

For those approaching retirement, managing savings or supporting younger family members onto the property ladder, these announcements are worth understanding.

We'll continue to review the details and help our clients consider what the changes could mean for their financial plans.

23/10/2026

10,500 more estates expected to pay Inheritance Tax. Nearly 40,000 facing higher bills.
These are HMRC's projections for the 2027/28 tax year, following changes to the Inheritance Tax (IHT) treatment of pensions.

And for business owners, the implications could be particularly significant.

From 6 April 2027, most unused pension funds and pension death benefits will be included in estates for IHT purposes.

For business owners who have accumulated substantial pension savings alongside business assets, commercial property or proceeds from a company sale, this could create additional tax exposure for their families.

There are two important changes to consider:
🟣 £2.5 million - Since April 2026, the first £2.5 million of qualifying agricultural and business property can receive 100% relief from IHT, with qualifying assets above this threshold generally receiving 50% relief.

🟣 6 April 2027 - Most unused pension funds will become part of the estate for IHT calculations, potentially increasing the value subject to tax.

For those holding commercial property within a SIPP or SSAS, there may also be practical challenges. A substantial IHT bill could arise before assets can be sold or sufficient cash becomes available.

If you're planning to sell your business, retire or pass wealth to the next generation, now is the time to review how these changes could affect your succession plans.

At Anglian Wealth Management, we help business owners consider their personal financial arrangements alongside their longer-term business and family objectives.

N.B: Tax rules and reliefs can change and their impact depends on your individual circumstances.

Source: HM Revenue and Customs policy paper: Inheritance tax on unused pension funds and death benefits – 21 July 2025

20/10/2026

What a difference a week makes! Here's Molly and Michael soaking up the last of the October sun working from our office conservatory last week! Is this year's endless summer finally over? ☀️🌧️

16/10/2026

Black History Month | October 2026 | Why financial inclusion still matters

How many people decide against applying for a financial product because they believe they'll be rejected?

According to the FCA's Financial Lives 2024 survey, 31% of Black and Black British adults had avoided applying for a financial product or service in the previous two years because they thought they wouldn't qualify, couldn't afford it or would be rejected.

For White adults, the figure was 14%.

That's a significant difference and one that deserves attention.

Whether it's accessing financial services, understanding the options available or feeling confident enough to ask for support, everyone should have the opportunity to make informed financial decisions.

This Black History Month, we're reflecting on the importance of removing barriers, building trust and making financial services more welcoming and accessible to all.

14/10/2026

A wonderful evening supporting a fantastic local cause! ✨

On Friday evening, members of the Anglian Wealth Management team attended the Handelsbanken Charity Ball in Norwich, raising funds for the Norfolk Community Foundation and the important work it does supporting communities across our county.

It was a pleasure to spend the evening alongside so many familiar faces from Norwich's professional community, including friends and associates from Birketts LLP, Spire Solicitors LLP and Arnolds Keys.

A special thank you to Handelsbanken for organising such a lovely event, and to everyone involved in making the evening a success.

We're always delighted to see local businesses coming together to make a positive difference here in Norfolk.

13/10/2026

With changes to the Inheritance Tax treatment of pensions approaching in April 2027, some families may wish to reconsider when and how they pass on wealth.

For many parents and grandparents, there's something particularly rewarding about being able to help loved ones during their lifetime.

Perhaps it's contributing towards a first home, supporting grandchildren through education or making regular gifts to adult children.

There are several gifting exemptions that may help reduce a future Inheritance Tax liability.
For example, the annual £3,000 gifting exemption and, in certain circumstances, regular gifts made from surplus income.
However, gifting requires careful consideration. You need to be confident that you can continue to support your own lifestyle and financial security throughout retirement.

The right balance is one that allows you to enjoy your wealth, support your family and protect your own future.

Tax rules vary depending on your circumstances and are subject to change.

08/10/2026

The State Pension triple lock is designed to help pensioners keep pace with rising living costs.
But there's an interesting consequence of increasing pension payments while income tax thresholds remain frozen.

From April 2027, the full new State Pension is projected to reach approximately £13,000 a year.
Meanwhile, the standard Personal Allowance remains at £12,570.

That means someone receiving the full new State Pension could find that their State Pension alone exceeds their tax-free income allowance.

For retirees with additional pension income, savings interest or other sources of income, understanding their overall tax position becomes increasingly important.

As we approach 2027, it's a good reminder that retirement income planning should consider what you receive and what you actually keep after tax.

The final State Pension increase has yet to be confirmed and individual tax circumstances will vary.

06/10/2026

What would you like to have sorted before Christmas?

Not every financial goal needs to be a ten-year ambition.
Perhaps there’s a pension you’ve been meaning to review. Protection that hasn't been looked at for years. A Will that needs updating.* A retirement date you'd finally like to put some numbers around. Or simply paperwork that needs bringing together.

With the final quarter of 2026 now underway, choose one or two financial jobs you'd genuinely like to have ticked off before the year ends.

Small actions now can make the bigger plans ahead feel much more manageable.

What's on your Q4 list?

*Will writing may involve referral to a third party. Wills are not regulated by the Financial Conduct Authority.

02/10/2026

What could the Autumn Budget mean for your household?

Several developments could influence the financial outlook for families:
🟣 Retirement: A pledge to replace the State Pension triple lock with a double lock from 2030 would remove earnings growth from the annual increase calculation.
🟣 Care: The government has proposed free social care services in England, partly funded by that pension change.
🟣 Home ownership: The proposed ‘Your First Home’ scheme would offer eligible first-time buyers a 20% equity loan backed by government, alongside a deposit of at least 5%.
🟣 Tax and household costs: Pressure on public finances leaves potential tax rises in the picture. Higher wholesale energy costs could also feed through to household bills.

There is a brighter point: the OECD has upgraded its UK growth forecast for 2026 to 1.1%.

These proposals deserve attention, but financial decisions should be based on confirmed details and your own circumstances.

30/09/2026

Later life deserves earlier thought. 💭

There are some conversations we naturally put off...
How would you want to be cared for if you needed additional support later in life? What would happen to your estate? Who would make decisions on your behalf? How would you like your wealth to pass to your family?

Thinking about later life while you have plenty of time to make decisions can bring clarity for you and, importantly, for the people around you.

At Anglian Wealth Management, later-life planning forms part of the wider financial picture, helping clients consider their wealth, family and wishes together.

Address

12-16 Boundary Road
Norwich

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://www.sjpp.co.uk/anglianwm/

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