Financial Planning Budget Nov 2025

Usedtobeblonde

One gets to the age that Financial Planning is no longer really relevant.
I get a State pension and a pension from my late H.
Very few investments now as I am so old that investments and capital becomes eroded when large bills etc arise.
I have a reasonable sized house but to sell and downsize now seems like a very large mountain to climb so it won’t be done.
Therefore I have to leave any planning on the shelf and hope that rises in taxes in various forms are not too high and I can carry on as normal.

Yes, I think I’m past the planning stage too.

I just wish I could sell my little house I moved out of and stupidly let.

Now it’s going to be even harder🙁

So many pitfalls with Trusts. Take advice from Tax Accountant and STEP solicitor.

We have already taking all our tax free allowances from our pensions.

Now looking at Trusts etc., to future proof for us and family.

One gets to the age that Financial Planning is no longer really relevant.
I get a State pension and a pension from my late H.
Very few investments now as I am so old that investments and capital becomes eroded when large bills etc arise.
I have a reasonable sized house but to sell and downsize now seems like a very large mountain to climb so it won’t be done.
Therefore I have to leave any planning on the shelf and hope that rises in taxes in various forms are not too high and I can carry on as normal.

I think people are taking money out of pensions as it’s rumoured pension funds may be included in inheritance tax, I believe I’ve read that correctly.

Maybe nobody is going to say?! Even if they are doing it. .