City & Country Financial Services Ltd

A few changes that affect everyday life:

• The two-child benefit cap is being scrapped - some families will get more support
• Fuel duty stays frozen (for now)
• Electric cars will face per-mile charges from 2028
• From 2029, even small overseas online purchases will be taxed

Most of these changes come in gradually.
That gives you time - if you use it.

If you’re unsure how this affects your household, your mortgage, your savings or your future plans, we’re here to help you talk it through calmly.

📞 0203 137 0500
📱 07730 561816
💬 Message us to arrange a no-obligation review

Property owners and business owners are under more pressure in this Budget.

What’s coming:
• Homes worth over £2m face a new annual charge from 2028
• Rental income will be taxed more from 2027
• National Living Wage rises again in 2026
• Digital tax rules and penalties are getting stricter

None of this hits overnight - but it does change the numbers.

If you’re a landlord, employer or small business owner, now is a good time to review whether things still stack up after tax and costs.

We can help you look at the bigger picture and plan ahead sensibly.

📞 0203 137 0500
📱 07730 561816
💬 Or drop us a message

Money that earns money is getting taxed more.

Over the next few years:
• Tax on savings interest, dividends and rental income is rising
• Cash ISA allowance drops from £20,000 to £12,000 in 2027 (for most under 65s)
• Large workplace pension contributions may become less tax-efficient from 2029

In plain English?
The way you save now might not work as well in the future.

This isn’t about rushing into decisions, it’s about checking whether your current setup still makes sense while you still have options.

If you haven’t reviewed your savings or pension in a while, we’re happy to help.

📞 0203 137 0500
📱 07730 56181

Your tax rates haven’t gone up.
But the points where you start paying more tax are frozen until 2031.

What does that mean in real life?
As your pay rises over the years, more of it quietly gets taxed. even though the rates haven’t changed.

If you’re self-employed or a sole trader, there are also National Insurance changes coming from 2026. These don’t always feel urgent, but they can affect whether you’re building up full years towards your State Pension.

Worth checking now rather than later:
• Are you closer to a higher tax band than you thought?
• Are you properly covered for State Pension if you’re self-employed?

If you’re unsure where you stand, we can help you make sense of it and see if anything needs adjusting.

📞 0203 137 0500
📱 07730 561816

The Budget was announced last year.
But if you’re being honest… most of us didn’t really sit down and digest it at the time.

Christmas took over.
Then New Year.
And suddenly we’re back into work, routines, and real life.

Now that things have calmed down a bit, it’s a good moment to actually understand what the Budget means for your money, without the jargon, the panic, or the politics.

Over the next few days, we’ll break down the key changes in plain English and highlight the bits that are most likely to affect everyday people, families, business owners and landlords.

No doom.
No overwhelm.
Just clarity - so you can plan properly instead of reacting later.

As the year comes to a close, I just wanted to take a moment to say thank you.

Thank you to every client, family and individual who has trusted me with such important conversations this year, often at times that haven’t been easy. Financial planning is never just about numbers; it’s about people, families and peace of mind, and I don’t take that trust lightly.

Christmas is a time for reflection, rest and connection. I hope you’re able to slow down, enjoy time with those who matter most, and step into the New Year feeling supported and hopeful.
If 2026 brings questions, changes or simply a desire to get things a little more organised, I’ll be here ready for a calm conversation when you are.

Wishing you a peaceful Christmas and a healthy, happy New Year.

Lina

“It’s too late to plan.” Never.

The best time to plan your estate was yesterday. The second best time is today.
Even small steps - updating a Will, reviewing beneficiaries or considering charitable legacies can make a big difference.

It’s never too late to protect your family’s future.

📞 Call 0203 137 0500, message 07730 561816, or DM us for a chat to start the conversation.

“Life insurance solves IHT.” Not by itself.

Life insurance can provide funds to pay IHT but it doesn’t remove the bill.
To work effectively, it should usually be written in trust so the payout stays outside your estate.

The structure matters as much as the cover.

📞 Call 0203 137 0500, message 07730 561816, or DM us for a chat to review your protection setup.

ISAs are IHT-free.” Not quite.

ISAs are great for tax-free growth, but most still sit inside your estate for IHT purposes.
Unless they contain qualifying AIM shares (Alternative Investment Market), they can still be taxed at 40%.

Smart estate planning isn’t about avoiding rules, it’s about using them properly.

📞 Call 0203 137 0500, message 07730 561816, or DM us for a chat to review your estate strategy.

Think IHT is just for the wealthy? Not anymore.
With frozen thresholds and rising property values, many families in London now face unexpected tax bills.

If your home and savings total more than £325,000 or £1 million as a couple, it’s time for a review.

📞Call 0203 137 0500, message 07730 561816, or DM us for a chat to understand your real IHT position.