Financial advice for passing down wealth

Careful estate planning means more of your wealth reaches the people you intend it to. We'll guide you through every option - wills, trusts, pensions, gifting, and tax-efficient investments including Business Relief, VCTs and EIS.

What's right for you depends on your circumstances. We'll look at your family's current and future needs, the likely growth of your assets, and where early gifting, pension planning or restructuring could reduce your inheritance tax liability. The goal is the right balance - supporting your loved ones today while making sure you have what you need for later.

Good IHT planning means your loved ones receive what you intend - often more than they'd expect without advice. We'll help you understand the rules around inheritance tax, gifting allowances, nil rate bands, spousal exemptions and trust planning, and build a strategy that makes full use of every allowance available.

Our advisers stay on top of legislative changes - including the upcoming 2027 pension IHT reforms - so your plan remains effective as the rules evolve.

Trusts are one of the most effective tools for passing on wealth in a controlled, tax-efficient way. Whether you want to provide for children or grandchildren, protect assets from care costs, or reduce your IHT liability, the right trust structure can make a significant difference. We'll explain your options clearly - from discretionary trusts to bare trusts and life interest trusts - and advise on which best fits your family's circumstances and long-term goals.

Planning for the unexpected is just as important as planning for the future. A Lasting Power of Attorney ensures that if you lose capacity, the right people can make financial and healthcare decisions on your behalf. We work alongside your legal advisers to make sure your financial plan accounts for this - so your wealth is protected and your wishes are carried out, whatever happens.

The cost of later life care is one of the biggest financial risks families face. Planning ahead means you stay in control of how those costs are met - without depleting the wealth you've worked hard to build. We'll model the potential costs, assess your options, and build a plan that protects your assets while ensuring you and your partner receive the care you need.