Recent years have brought ongoing change and uncertainty, and 2025 has been no exception. Economic pressures at home and abroad continue to shape the financial landscape, making it harder for individuals and businesses to plan with confidence.
While the late 2025 Budget avoided some of the tougher measures that had been widely anticipated, several key decisions will have a lasting impact. The continued freeze on tax rates and thresholds through to April 2031, alongside increases to dividend and savings taxes over the next two years, means more people will pay more tax without careful planning.
That is why taking a proactive and informed approach to your tax and financial planning has never been more important.
Our Year End Financial Planning 2025/26 guide has been designed to help you make the most of the opportunities still available before the end of the tax year. It brings together practical guidance to help you maximise allowances and reliefs, reduce unnecessary tax, and keep your finances on track.
Inside the guide, you will find clear and practical insights covering:
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Income tax saving opportunities
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Tax-efficient investments
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Pensions planning
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Considerations for directors, employees, and the self-employed
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Capital gains tax planning
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Inheritance tax planning
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Charitable giving
With helpful examples and key planning points throughout, the guide is intended to give you clarity and confidence when making decisions before the tax year ends.
If any of the topics raise questions, or if you would like tailored advice based on your own circumstances, our team is here to help. We are always happy to talk through your options and support you in putting a clear plan in place.
And remember, tax allowances are a use it or lose it opportunity. Any allowances not used before 6 April 2026 are gone for good.
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