As usual, we have sought to address topical issues that are likely to be of interest to most readers. Included in this edition are: • Take stock, strengthen your finances this autumn • Budget outlook – preparing for change • Navigating global shifts – investing through change • Consolidate to solve the pension patchwork puzzle • Pensions set to fall within IHT net from 2027 • People don’t understand IHT • Don’t rely on inheritance alone – start saving now We do hope that you find this magazine both interesting and informative. Should you have any queries or require more information on any of the articles or any other financial matter, please do not hesitate to contact us.