Kellands Independent News – Autumn 2026

As autumn approaches, we are pleased to share the latest edition of Kellands Independent News, featuring a range of practical articles designed to help you make informed financial decisions and plan with greater confidence.

With the Autumn Budget approaching on 28 October, tax is naturally one of the key themes in this edition. On page 08, our Autumn Budget 2026 Tax Watch looks at the areas that could come under scrutiny, from Capital Gains Tax and property to pensions, wealth and frozen tax thresholds. While there is plenty of speculation about what the Chancellor may announce, the important message is not to make knee-jerk decisions based on headlines. Reviewing your financial position now can help you understand where potential changes could affect you and whether any action may be appropriate.

Retirement planning also features prominently. On page 04, our article ‘Five questions to ask yourself before retirement’ considers some of the key issues to address, including the lifestyle you want, where your retirement income will come from, whether you are saving enough and how you will turn your pension savings into sustainable income. We also look at the experiences of today’s retirees, with research suggesting that nearly a third say their standard of living is worse than before retirement.

For those thinking about passing wealth to the next generation, on page 03 we explore an often-overlooked Inheritance Tax (IHT) exemption for regular gifts from surplus income. With 72% of UK adults unaware that qualifying gifts can be immediately exempt from IHT, the article explains the conditions that need to be met and why careful record-keeping is so important.

Elsewhere, we look at protecting your loved ones with a Will, the growing sophistication of pension scams and the warning signs to watch out for, and why investment diversification remains important in an uncertain world. We also explain the different ways you can access a pension through drawdown, including the tax implications that need to be considered.

There is plenty more to explore throughout the magazine, and we hope you find this edition both informative and useful.

If you would like to discuss any of the topics covered, or if your circumstances have changed and you would benefit from professional financial advice, please contact us. We look forward to hearing from you.

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