The Autumn Budget: What It Really Means

In this episode of the Human First podcast, Adrian Murphy and Neil Law break down the key changes from the Autumn Budget — and what they mean for business owners, investors, and high-net-worth families.

They cut through the noise to cover:

• Why you shouldn’t react in haste
• Higher taxes on business owners and property
• What salary sacrifice changes mean for pensions
• ISA reform and the shift from cash to investing
• VCT tax relief dropping to 20% — and why they’re still attractive
• What to expect from the Scottish Budget next

Their message is simple: don’t panic — plan.

If you have a financial question that’s keeping you up at night, send it in, we’ll tackle the biggest ones next.

Follow Adrian on LinkedIn: linkedin.com/in/adrianmurphyceo

Follow Adrian on Instagram: https://www.instagram.com/adrianhumanfirst/

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The Budget has been everywhere but how much of what you’ve heard is actually happening, and how much is just noise?

In this episode, Adrian Murphy sits down with Neil Law, Director of Financial Planning at Murphy Wealth, to separate fact from speculation and talk through what really matters for long-term planning.

Together, they unpack the most common questions people are asking right now:

• What will and won’t change after the Budget?
• What could pensions and inheritance tax look like in the coming years?
• Where might tax tweaks actually land?
• And the big one: what’s the smartest move right now?

Neil gives straight answers. Adrian pushes for what this means in real terms. And together they explain why staying calm, informed, and focused on your long-term plan is more powerful than reacting to headlines.

If you have a financial question that’s keeping you up at night, send it in, we’ll tackle the biggest ones next.

Follow Adrian on LinkedIn: linkedin.com/in/adrianmurphyceo

Follow Adrian on Instagram: instagram.com/adrianmurphytri

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In this short episode, Adrian Murphy, CEO of Murphy Wealth, explains why acting on rumours about tax-free lump sums can be risky.

There’s a lot of chatter about tax-free lump sums being cut or disappearing altogether in the next Budget, and it’s causing panic. Some people are rushing to take as much as they can from their pensions 'just in case'.

But once you take that money out, you can’t simply put it back. And acting too quickly could damage your retirement plan.

Rumours aren’t a reason to make life-changing financial decisions. Even if rules do change, it rarely happens overnight and good advice will help you navigate them safely.

This content is not financial advice. For guidance tailored to your unique needs and goals, please consult a qualified financial advisor.

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