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Audley Wealth

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A genuinely fresh, no-nonsense approach to financial advice, pension and retirement planning and wealth management.

15/10/2026

From April 2027, changes to IHT rules could mean that more estates face an IHT liability.

As a result, many families may need to think more carefully about how any future tax bill will be paid.

Life insurance, particularly whole of life cover with no set term, is increasingly becoming part of these conversations.

While it does not reduce the amount of IHT due, it can provide a cash lump sum that beneficiaries can use to help meet the bill.

This can be particularly useful when much of an estate is tied up in property, investments or other assets that cannot easily be accessed.

Without readily available funds, beneficiaries may need to sell assets sooner than they would like, potentially at an unfavourable time.

A life insurance payout can provide valuable financial flexibility when it is needed most.

Why could this become more important?

As more families review their estate planning ahead of 2027, ensuring funds are available to meet any future tax liability may become an increasingly important consideration.

Policies can often be written in trust, which may help ensure the proceeds do not form part of the estate and can be paid to beneficiaries more quickly.

With the changes approaching, now could be a good time to review your estate planning arrangements.

Get in touch to discuss your needs today.

https://audleywealth.com/contact/

*This content is for information purposes only and should not be treated as advice.

14/10/2026

It's that time of year again - the Budget is on the horizon, with Chancellor John Healey confirming that his first Budget will take place on 28 October.

The Office for Budget Responsibility (OBR) is now preparing its economic and fiscal forecasts, while speculation grows over what measures could be announced.

The Chancellor has said the Budget will be built on "fiscal discipline" and provide businesses and families with greater stability to plan for the future.

Over the years we've learnt the most useful approach is to look beyond the headlines, not to get swept away with speculation, but to focus on what we do know.

There are already important changes we know about and can plan for, such as the IHT pension changes and the ISA reforms, all previously announced.

Beyond these known changes, little is expected to be confirmed in advance, but a handful of taxes may be in the spotlight, having featured in speeches and wider policy discussions.

Capital Gains Tax (CGT):
One area commentators have highlighted as a possible candidate for reform.

Inheritance Tax:
The PM has previously spoken about reforming IHT including replacing the current system with a broader levy on estates.

Income Tax, VAT and National Insurance:
The government has indicated it does not intend to increase the main rates but we'll wait and see as Mr Burnham has previously commented about how unpopular the Income Tax allowance freeze has been.

For now, resisting speculation is key.

A review of your financial plans ahead of the Budget can help ensure your affairs remain well positioned under today's rules.

We can then revisit your plans once the announcements are made.

Get in touch to discuss your needs today.

https://audleywealth.com/contact/

*This content is for information purposes only and should not be treated as advice.

13/10/2026

At Audley, we keep our communication intimate, agile and totally customer-focused.

For us, reputation is earned, not stated! We therefore believe that, in order to focus on our clients, we must continually focus on our own people – “excellence through experience”.

Our team is made up of professionals with varied and impressive backgrounds in financial planning and other industries.

Add to this our unprecedented experience in dealing with people, we are confident our clients are in very safe hands.

Need to speak to an adviser?

Call us on 01727 227557

*This content is for information purposes only and should not be treated as advice.

12/10/2026

Three ways we help you plan for what matters most:

Most people, when they think about retirement, think of pensions. At Audley we think about the whole picture, where pensions may form a small or big part of the overall plan.

Audley have a wealth of experience advising on client portfolios. Clients benefit from our knowledge of investments, allowing them to make the most of their money.

Protection for you, your family and your business is generally required until you have built up a sufficient portfolio that you are effectively self-insuring. It’s about protecting you, your family, your business and your beneficiaries until you build sufficient wealth so that you are effectively self-insuring.

With over 25 years of experience working closely with people who want to make the best decisions about their finances, we truly understand the reasons why making the right financial choices now is key for the future.

Ready to talk? Call us on 01727 227557

The value of investments and the income from them can go down as well as up, and you may get back less than you invested.

09/10/2026

Review - Pension Transfer & Management

"When I wanted to move my Final Salary Pension to a scheme I could actively manage and monitor, Audley Wealth was there to answer every question, no matter how daft, with great insight and experience.

"They completely put my mind at rest regarding matters I always wanted to be more involved in but struggled to understand."

"The outcome has far exceeded my expectations, and I'm very happy with the growth of my pension scheme. If I had any issues I would have considered moving to another advisor, but I have had no such thoughts."

If you need assistance with your pensions, get in touch with our team today:

E: [email protected]
T: 01727 227557

08/10/2026

The global economy is continuing to hold up, but growth remains uneven, according to the International Monetary Fund (IMF).

Their global economic outlook, entitled 'Global economy in crosscurrents of war and technology,' highlights how momentum from technology is helping to offset the drag from the conflict in the Middle East, which continues to weigh on energy importers and more vulnerable economies.

At the same time, AI-driven demand is supporting countries integrated into the global technology value chain, as businesses invest in the infrastructure needed to support the technology.

The IMF explores the risks and opportunities surrounding AI, with Petya Koeva Brooks, Deputy Director of Research, highlighting two possible paths: on the downside, a market correction could follow a reassessment of AI profitability; on the upside, faster AI adoption could lift growth.

Looking ahead, the consensus is that the AI 'build-out' is accelerating - AI requires data centres, semiconductors, digital infrastructure and energy systems.

For investors, it's important to understand where valuations, risks and opportunities sit as the AI story continues to evolve.

Get in touch to discuss your needs today.

https://audleywealth.com/contact/

* This content is for information purposes only and should not be treated as advice.

07/10/2026

Client Story: Fiona

Fiona has been a client for many years, she is now approaching a time in her life that she wants to get her affairs in order, she has a Will and Powers of Attorney in place but she is concerned about the Inheritance Tax her children will have to pay.

While Audley are not solicitors or accountants we have an understanding of Inheritance Tax and the implications on a person's estate.

We discussed ways to mitigate the potential Inheritance Tax liability.

Due to Fiona’s age, although she still had all her facilities we suggested that she involved one or more of her children so that they understand the plan.

Like most people Fiona’s main asset was her property, living in the South East meant that it was in excess of £1million meaning that her children would be paying Inheritance Tax on her other assets (savings, investments & pensions).

Talking through the options we agreed to invest some of her portfolio investments which qualified for Inheritance Tax relief, whereby the value of these investments would be available to her beneficiaries and can be used to pay towards and Inheritance Tax bill.

Today, the portfolio is far easier to understand and manage, giving them an unclouded view of their wealth.

Backed by an open, honest relationship, Fiona has complete trust in the advice we provide, allowing them to look forward to the future with total confidence.

Read more of our client stories on our website:
https://audleywealth.com/client-stories/

* This content is for information only and is unlikely to apply to your particular circumstances. Please contact Audley for advice tailored to you.

06/10/2026

Most financial companies think about the numbers...

At Audley we think about the people.

Too many businesses in our industry think about products and assets under management.

At Audley it’s about Family, Choice, Security, Ideology and Opportunity.

We’re in the business of understanding your needs & objectives then advising you the best way to achieve your goals, ensuring that achieving your short-term goals doesn’t have a negative impact on your long-term goals.

Get in touch to discuss your needs today.

https://audleywealth.com/contact/

* This content is for information purposes only and should not be treated as advice.

05/10/2026

Financial planning, the Audley way...

Today we're excited to unveil a new look for Audley Wealth.

You'll notice a bolder logo, afresh colour palette, and a more modern, sleek style across our website and communications.

Here's what's changed:
● A brand new website design at the same familiar address - audleywealth.com
● A bold, modern visual identity across our digital channels

What's staying the same:
● The same team, advice, and service you know and trust
● Your social media updates - just with our fresh new styling

You may still spot our previous logo on some documents over the next few months while we complete the transition, rest assured, it's still us!

If you have any questions about our new look, we're happy to help:
[email protected] | 01727 227557

Address

6 St. Peter's Street, Censeo House
Saint Albans
AL13LF

Opening Hours

Monday	9am - 5:30pm
Tuesday	9am - 5:45pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 5:30pm

Website

http://audleywealth.com/

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