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Audley Wealth

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A genuinely fresh, no-nonsense approach to financial advice, pension and retirement planning and wealth management.

29/10/2026

Chancellor of the Exchequer John Healey delivered his maiden Budget on 28 October, pledging “breathing space for today, fresh hope for the future.”

With cost-of-living challenges a prominent feature of the speech, banks are set to face an additional 3% surcharge (totalling 6%) on their profits for a 15-month period beginning in January 2027, with the Chancellor saying the temporary increase would help fund household support.

We have sought to pick out all the key points from the Budget announcement, including:

- Economic forecasts

- Cost-of-living measures

- Personal taxation, savings, wages and pensions

- Business, AI, enterprise and innovation

- Housing

Please view our Autumn Budget 2026 guide here:

Should you have any queries or require more information on any of the areas covered or any other financial matter, contact our team:

[email protected]

* The content of this is for information purposes only and should not be treated as advice.

27/10/2026

Despite parents expecting to save an average of £10,148 for their children, research shows that reality often falls short of ambition.

Just 9% of families manage to build savings of £10,000 or more, while more than half of children's savings accounts never exceed £1,000.

The findings highlight the challenge many households face in balancing day-to-day financial pressures with longer-term goals such as helping with education costs, a first home deposit or future financial independence.

Let Audley Wealth help you structure an efficient savings plan for your children's future.

Get in touch today.

https://audleywealth.com/contact/

*This content is for information purposes only and should not be treated as advice.

23/10/2026

Review - Pensions

"Audley has kept an eye on my financial position, any changes to it, and my future needs."

"I am happy with the current situation."

"I feel that my needs are being met and I can't think of anything that could have been done differently or better."

If you need assistance with your pensions, get in touch with our team today:

E: [email protected]
T: 01727 227557

20/10/2026

Over half (52%) of people, according to Standard Life, are unaware that paying into a pension can reduce their taxable income, making it a valuable financial planning tool as well as a way to save for retirement.

This can be particularly important for parents, as those with an adjusted net income above £100,000 lose entitlement to the government's 15 or 30 hours of funded childcare.

By making additional pension contributions, including through salary sacrifice (for which rules change in April 2029) where available, some parents may be able to reduce their adjusted net income below the threshold, helping retain childcare support while continuing to grow their retirement savings.

Get in touch to discuss your pension today.

https://audleywealth.com/contact/

*This content is for information purposes only and should not be treated as advice.

16/10/2026

Client Story: Richard

Having successfully accumulated a significant amount of savings, Richard reached out to us with a clear goal: they wanted to move away from low-interest cash accounts and put their hard-earned money to work.

Recognising that the investment landscape can be complex, they were looking for expert guidance to navigate the market safely and effectively.

We stepped in to demystify the world of investing. Alun took the time to understand Richard's financial goals and risk tolerance, carefully guiding them through every step of the investment process.

By breaking down how different tax structures work and the returns you could expect from different asset classes, explaining how we construct portfolios with investments across different asset classes and geographies.

We also covered the need for an emergency fund, as well as fun money, although we were investing, the recommended portfolio was in liquid assets so that Richard could have cash in his bank account in a week ten days.

We agreed to invest the surplus savings into a portfolio for long-term growth.

The outcome has been exactly what Richard was hoping for. The transition from saver to investor was seamless, resulting in a perfectly executed strategy and a flawless client experience.

Audley meet with Richard on a regular basis to review his portfolio and changing objectives to ensure that he remains on target or make any tweaks as required.

Today, Richard enjoys the rewards of seeing their wealth grow, fully confident in the ongoing management of their investments.

Read more of our client stories on our website:

https://audleywealth.com/client-stories/

*This content is for information only and is unlikely to apply to your particular circumstances. Please contact Audley for advice tailored to you

15/10/2026

From April 2027, changes to IHT rules could mean that more estates face an IHT liability.

As a result, many families may need to think more carefully about how any future tax bill will be paid.

Life insurance, particularly whole of life cover with no set term, is increasingly becoming part of these conversations.

While it does not reduce the amount of IHT due, it can provide a cash lump sum that beneficiaries can use to help meet the bill.

This can be particularly useful when much of an estate is tied up in property, investments or other assets that cannot easily be accessed.

Without readily available funds, beneficiaries may need to sell assets sooner than they would like, potentially at an unfavourable time.

A life insurance payout can provide valuable financial flexibility when it is needed most.

Why could this become more important?

As more families review their estate planning ahead of 2027, ensuring funds are available to meet any future tax liability may become an increasingly important consideration.

Policies can often be written in trust, which may help ensure the proceeds do not form part of the estate and can be paid to beneficiaries more quickly.

With the changes approaching, now could be a good time to review your estate planning arrangements.

Get in touch to discuss your needs today.

https://audleywealth.com/contact/

*This content is for information purposes only and should not be treated as advice.

14/10/2026

It's that time of year again - the Budget is on the horizon, with Chancellor John Healey confirming that his first Budget will take place on 28 October.

The Office for Budget Responsibility (OBR) is now preparing its economic and fiscal forecasts, while speculation grows over what measures could be announced.

The Chancellor has said the Budget will be built on "fiscal discipline" and provide businesses and families with greater stability to plan for the future.

Over the years we've learnt the most useful approach is to look beyond the headlines, not to get swept away with speculation, but to focus on what we do know.

There are already important changes we know about and can plan for, such as the IHT pension changes and the ISA reforms, all previously announced.

Beyond these known changes, little is expected to be confirmed in advance, but a handful of taxes may be in the spotlight, having featured in speeches and wider policy discussions.

Capital Gains Tax (CGT):
One area commentators have highlighted as a possible candidate for reform.

Inheritance Tax:
The PM has previously spoken about reforming IHT including replacing the current system with a broader levy on estates.

Income Tax, VAT and National Insurance:
The government has indicated it does not intend to increase the main rates but we'll wait and see as Mr Burnham has previously commented about how unpopular the Income Tax allowance freeze has been.

For now, resisting speculation is key.

A review of your financial plans ahead of the Budget can help ensure your affairs remain well positioned under today's rules.

We can then revisit your plans once the announcements are made.

Get in touch to discuss your needs today.

https://audleywealth.com/contact/

*This content is for information purposes only and should not be treated as advice.

13/10/2026

At Audley, we keep our communication intimate, agile and totally customer-focused.

For us, reputation is earned, not stated! We therefore believe that, in order to focus on our clients, we must continually focus on our own people – “excellence through experience”.

Our team is made up of professionals with varied and impressive backgrounds in financial planning and other industries.

Add to this our unprecedented experience in dealing with people, we are confident our clients are in very safe hands.

Need to speak to an adviser?

Call us on 01727 227557

*This content is for information purposes only and should not be treated as advice.

12/10/2026

Three ways we help you plan for what matters most:

Most people, when they think about retirement, think of pensions. At Audley we think about the whole picture, where pensions may form a small or big part of the overall plan.

Audley have a wealth of experience advising on client portfolios. Clients benefit from our knowledge of investments, allowing them to make the most of their money.

Protection for you, your family and your business is generally required until you have built up a sufficient portfolio that you are effectively self-insuring. It’s about protecting you, your family, your business and your beneficiaries until you build sufficient wealth so that you are effectively self-insuring.

With over 25 years of experience working closely with people who want to make the best decisions about their finances, we truly understand the reasons why making the right financial choices now is key for the future.

Ready to talk? Call us on 01727 227557

The value of investments and the income from them can go down as well as up, and you may get back less than you invested.

09/10/2026

Review - Pension Transfer & Management

"When I wanted to move my Final Salary Pension to a scheme I could actively manage and monitor, Audley Wealth was there to answer every question, no matter how daft, with great insight and experience.

"They completely put my mind at rest regarding matters I always wanted to be more involved in but struggled to understand."

"The outcome has far exceeded my expectations, and I'm very happy with the growth of my pension scheme. If I had any issues I would have considered moving to another advisor, but I have had no such thoughts."

If you need assistance with your pensions, get in touch with our team today:

E: [email protected]
T: 01727 227557

Address

6 St. Peter's Street, Censeo House
Saint Albans
AL13LF

Opening Hours

Monday	9am - 5:30pm
Tuesday	9am - 5:45pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 5:30pm

Website

http://audleywealth.com/

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