Question 01
Autumn 2026 · For advisers and their clients
Until 28 October, the Ministry of Speculation remains in session. The speech is over. The questions aren’t. Published. Considered.
The Budget, Considered.
What changes the decision.
How to explain it.
A free digital guide for financial advisers, bringing technical interpretation, client behaviour, Consumer Duty and communications together. With worked examples and six one-page planners to help you decide what matters for each client and explain it clearly.
One Budget.
No standard client.
Everyone heard the same Budget. No two clients are in the same position. The right response depends on the person: their circumstances, their priorities and what they think it means for them.
Our guide works through six questions clients are likely to bring to you, connecting the technical position with the judgement and conversation that follow.
Questions in focus
Should I take my pension tax-free cash now?
What happens to my pension when I die?
Where are we on ISAs now?
Should I pay myself in dividends or salary?
How should I hold my investments now?
I have a lump sum. What are my inheritance tax options?
Final coverage will reflect the Budget documents.
Inside the guide
From question
to considered decision.
Each question follows the same useful route: Judgement, Working, In practice, Planner and Sources. From understanding the position to explaining a decision and recording what happens next.
A look insidePre-Budget draft
Question & judgement · sample pages 6–7
View the question opener at full size, opens in a new tab
View the first content page at full size, opens in a new tab
Judgement
Understand the position and what follows from it.
Working
Examine the figures and assumptions behind the answer.
In practice
Apply it through the client, Consumer Duty and communications lenses.
Planner
Record the decision, who will act and when.
Sources
Check the evidence and qualifications.
Four perspectives.
One considered answer.
Technical judgement, client behaviour, Consumer Duty and communication, brought together around the same planning questions.
Tony Wickenden
TechnicalThe rules, how they interact, and what they mean for the planning decision.
Phillip Wickenden
Client behaviourThe objectives, concerns and circumstances that shape the answer.
Simon Collins
Consumer DutyWhat to establish, explain and record before agreeing the next step.
Jamie Dunkley
CommunicationsHow to make the implications clear and the conversation useful.
A private viewing
For the person
in front of you.
One Budget. Plenty of perfectly reasonable people who insist on being different.
Register for the free guideThe Standard Fitting
No standard client.
18 seconds
The Ministry of Speculation
Our pre-Budget dispatch.
15 seconds
Sound on.
Your free digital copyGet your copy · Published Thursday 5 November
For the conversations
ahead.
Register for your free digital copy of The Budget, Considered. Technical judgement, worked examples and six one-page planners, brought together for the people you advise.
We’ll email you the link when the guide is published on Thursday 5 November.
Your copy is sent to your inbox straight away.
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We’ll email you the link to The Budget, Considered. when it is published on Thursday 5 November.
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Download The Budget, Considered. below. The Preview Edition follows.
