What if the secret to surviving the 2025 Budget isn't just cutting
costs — but planning smarter, faster, and with real clarity? In
this emergency episode of The Grown Up Business Podcast, Paul Avins
is joined by Jeff Lermer, the UK's leading tax accountant and
advisor for successful entrepreneurs, to break down the 2025 Budget
— and what it really means for business owners, employers, and
CEOs. Recorded live just 24 hours after one of the longest and most
tax-heavy budgets in recent history, Paul and Jeff cut through the
noise to deliver a clear, practical debrief. They unpack the £40
billion tax grab, the brutal rise in employer National Insurance,
the capital gains tax changes, inheritance tax shake-ups, and what
founders need to do now to protect their wealth, reduce their
liabilities, and scale sustainably in a tougher economic climate.
This episode is essential listening for founders and CEOs who
employ people, own assets, plan to exit, or want to build a
business that thrives — not just survives — in the face of sweeping
legislative change. Key Takeaways Why employer National Insurance
rising from 13.8% to 15% (and kicking in at £5,000 instead of
£9,100) is the biggest hit to business owners How the cost of
employing someone on minimum wage just increased by 10.67%
overnight Why the Employment Allowance increase to £10,500 softens
the blow — but only for smaller teams How moving key team members
into a Limited Liability Partnership (LLP) could save you tens of
thousands in tax Capital Gains Tax rises: from 20% to 24%, and
Business Asset Disposal Relief increasing to 14% then 18% Why there
may be an M&A rush between now and April 2025 Inheritance Tax
changes: business and agricultural property relief capped at £1
million, with 50% relief thereafter Why pension funds will now be
subject to Inheritance Tax from April 2027 — and what that really
means Why VAT on private school fees from January 2025 is just the
start of a broader charitable status shake-up How to extract funds
from your company more tax-efficiently using loans, not dividends
Why this budget will accelerate AI adoption, outsourcing, and
productivity — not just payroll cuts About the Guest Jeff Lermer is
the UK's number one tax accountant and advisor for successful
entrepreneurs. With over 15 years working alongside Paul Avins and
decades of experience helping business owners retain their wealth,
Jeff specializes in tax-efficient planning, capital gains strategy,
inheritance tax mitigation, and smart extraction planning. His
mission: help founders keep more of what they earn — legally,
strategically, and sustainably. Next Steps Apply it now Review your
payroll costs, salary structures, and extraction strategy in light
of the Budget changes — don't wait until April. Connect with Jeff
Lermer Follow Jeff on LinkedIn for ongoing tax insights, planning
tips, and updates as the Budget changes take effect. Scale with
Paul If this episode resonated, Paul's work focuses on helping
founders step out of the day-to-day and scale with structure and
confidence. Book a call with Paul:
https://www.paulavins.com/book-a-call Subscribe to the Scale-Up
Newsletter: https://www.paulavins.com/newsletter-opt-in About Paul
Avins Paul Avins is a scale-up business coach and founder of the
Grown-Up Business framework. He works with founders and CEOs to
help them move from operator to scale-up leader — building
businesses that grow sustainably, scale beyond the founder, and
create real enterprise value. Paul's work focuses on disciplined
leadership, high-performing teams, and systems that replace chaos
with clarity. Level Up. Team Up. Scale Up. Fire Up.
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