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.

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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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In this short episode, Adrian Murphy, CEO of Murphy Wealth, explores why diversifying your wealth beyond property matters.

If most of your wealth is in property, you might be more exposed than you think. Property markets move in cycles. They can rise for years, but they can also stall or fall sharply.

True diversification isn’t just about owning different houses. It’s about spreading wealth across different investments to build resilience. When one area dips, the others can help balance things out.

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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In this short episode, Adrian Murphy, CEO of Murphy Wealth, explores how to pass on wealth the right way.

Gifting can seem like the simple solution. Give it away early, and it’s out of your estate. But it’s not always that straightforward. Once it’s gone, it’s gone, and inheritance tax may still apply.

Life insurance can help cover a future tax bill without giving up control. Often, the smartest plan blends both: structured gifting now, and protection for later.

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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How do you plan for the future when tax rules seem to change every five minutes?

In this short episode, Adrian Murphy, CEO of Murphy Wealth, explains that good financial planning isn’t about guessing what happens next, it’s about being flexible enough to adapt when change inevitably occurs.

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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Still holding on to too much cash? It might be costing you more than you think.

In this short episode, Adrian Murphy, CEO of Murphy Wealth, breaks down why holding too much cash can quietly erode your wealth, especially during times of high inflation.

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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📈 Inflation is back. What does that mean for your wallet?

We talk about inflation all the time, but most people don’t fully understand its impact. Rising prices and falling purchasing power sound scary but inflation is a normal part of economic life.

In this episode, Adrian explains why the smartest investors don’t worry much about inflation numbers, they build plans designed to weather them.

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

Hosted on Acast. See acast.com/privacy for more information.