• The Autumn Budget presents a key moment for financial advisers to proactively support clients amid potential tax and pension changes. 

• Advisers can strengthen client relationships through personalised behavioural coaching and relevant financial planning advice during this period of uncertainty.

• Research by Vanguard’s Advisory Research Centre highlights that clients highly appreciate behavioural coaching and desire authentic, personal relationships with their advisers, especially around significant fiscal events like the Autumn Budget.

• Make the most of our content designed to support client conversations, plus a Budget-day webinar featuring Vanguard experts sharing their thoughts on the Budget statement.

As the Autumn Budget nears on 26 November, some clients may feel uncertainty about possible changes to taxes and pension allowances. While it’s important to avoid acting on speculation, moments like this are when advisers can add real value for clients through proactive behavioural coaching, delivered through a trusted relationship.

A new study of advised investors and advisers in the UK by Vanguard’s Advisory Research Centre found that clients highly value behavioural coaching and want authentic, personal relationships with their adviser.

The Autumn Budget is an excellent opportunity to engage with clients before and after the Chancellor delivers the government’s fiscal plans.

Your clients need you

Financial advisers have a crucial role in helping clients meet their long-term financial goals. Financial planning is complicated, even more so when the legislation environment changes, sometimes bringing with it a need to adapt.

Any changes from the Autumn Budget present an opportunity to proactively engage with clients, strengthening those relationships with reassurance and quality advice.

No two clients are identical. The extent to which these legislation changes will impact each client will vary. It is important to be proactive, but also make the engagement on the Budget relevant to the client. 

Vanguard support

We’re committed to supporting advisers in guiding clients through the changes and any uncertainty that may linger over what the announcement means for investors. As part of that support, we invite you to join our special Budget-day webinar with Vanguard experts for real-time insights on the Budget’s impact and how advisers can support clients.

Register for the webinar now and secure your spot.

Last year’s Budget contained important propsed changes to rules around inheritance tax (IHT)—namely making pensions subject to IHT rules; restricting agriculture and business property relief; and freezing the nil-rate band. The effect of these proposed changes continues to be felt, with many advisers having greater engagement with their clients on this complex area. However, our research also suggests clients want to discuss intergenerational wealth transfer and legacy planning much earlier than advisers typically approach the topic. We’ve developed a suite of supportive materials on the so-called ‘great wealth transfer’, which will see trillions in assets transferred to younger generations over the coming decades.

Download our client-friendly materials to support legacy planning conversations, including an investor guide to legacy planning, a financial education assessment for inheritors and a couples preparedness assessment.

Visit our dedicated great wealth transfer page and download the materials to use with clients.

Investment risk information

The value of investments, and the income from them, may fall or rise and investors may get back less than they invested.

Important information

This is directed at professional investors and should not be distributed to, or relied upon by retail investors.

This is designed for use by, and is directed only at persons resident in the UK.

The information contained herein is not to be regarded as an offer to buy or sell or the solicitation of any offer to buy or sell securities in any jurisdiction where such an offer or solicitation is against the law, or to anyone to 

whom it is unlawful to make such an offer or solicitation, or if the person making the offer or solicitation is not qualified to do so. The information does not constitute legal, tax, or investment advice. You must not, therefore, rely on it when making any investment decisions.

The information contained herein is for educational purposes only and is not a recommendation or solicitation to buy or sell investments.

Issued by Vanguard Asset Management Limited, which is authorised and regulated in the UK by the Financial Conduct Authority.

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