Autumn Budget 2026: What Should You Do Next? | Lumin Wealth

What did the latest Budget actually change for your savings, your business and your family's financial plans? In this episode of the Financial Illumination podcast, we share a webinar recorded 24 hours after the 28th October 2026 Budget. Joe Fisher, Head of the St Albans office, and Jason Coppard, Head of the London and South region both Chartered Financial Planners break down what was announced, what stayed the same and how the incoming changes will impact your financial planning. In this episode: • ISA changes: the U-turn on the Cash ISA limit for under-65s, the Lifetime ISA being replaced by a first-time buyer ISA, and the new Starter ISA • Business owners and entrepreneurs: the new founder's relief, the reduction in Business Asset Disposal Relief (BADR) and changes to EMI share options • Income tax and pensions: the extra 2% income tax levy on savings and property income, and the new pensioner personal allowance • Other changes: business mileage rates, energy bill support and more • What didn't change: the pension tax-free cash (pension commencement lump sum), gifting and the seven-year rule, and capital gains tax (CGT) rates and allowances • Looking ahead: Inheritance Tax (IHT) on unused pension funds from April 2027, fiscal drag, the salary sacrifice cap and the new property surcharge on homes worth over £2 million Whether you’re a business owner, approaching retirement or planning how to pass money down to your family, this episode provides a clear overview of the changes and the financial planning questions they raise such as making the most of your ISA allowances. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Like and subscribe to the channel so you don’t miss any future episodes! Powered by Lumin Wealth: https://luminwealth.co.uk/ #investing #FinancialPlanning #CapitalGainsTax #StocksAndSharesISA #RetirementPlanning #LuminWealth #FinancialIllumination #FinancialAdvice #FinancialPlanning #MoneyManagement #WealthManagement #PersonalFinance