Providing for yourself and protecting future generations
You may be in a strong financial position from saving hard earned money or selling a business you’ve worked hard to grow. You may now be thinking about two things:
- How to use that wealth to provide the lifestyle you want to live
- How to pass on that wealth to loved ones in a tax efficient manner
Our goal as your Trusted Advisers is to help you pass on your wealth whilst still meeting your own needs in the most appropriate, tax efficient manner. We can advise on inheritance tax liability and how to minimise the impact on your estate. We will provide the answers you need for peace of mind.
Each of our clients has their own set of unique requirements. Therefore, every financial plan we create is tailored to that individual. The process we go through is highly consultative. Our main aim to begin with is understand you and your wishes. We then follow up with an analysis of your assets and liabilities and develop your plan, which we review on a regular basis. This is often a collaborative process too, so we’re well used to working with your existing advisers such as solicitors and accountants.
During this process we’ll be with you throughout giving you the support you need to be confident you are realising your objectives and working in the best interests of you and your loved ones.
Common questions you may be asking at this stage
Can I gift assets to reduce the size of my taxable estate?
Can my life insurance policy help to pay the tax bill upon my death?
How can I use a trust to reduce the amount of inheritance tax I pay?
When is the right time to transfer my wealth?
Do I currently have any Inheritance Tax Liability?
How much could I gift now Vs in my will?
Initial meetings are at our expense and our objective here is to get to know you so we can get a greater appreciation for your goals and aspirations. All you have to do in this initial meeting is to bring along your partner, if you have one, and an open mind.
Our aim during this meeting is to get a concrete understanding of your financial goals. This will also be a time when we gather all the relevant details on your existing finances, assets and liabilities.
Review & recommendation
Once we’ve done our analysis we’ll create a bespoke plan which will utilise what you have and make recommendations on what you need.
Arrangement & implementation
This is where we start the work on your behalf making sure everything we’ve discussed gets done saving your valuable time and energy.
Review & updates
We’ll be on hand as your trusted adviser with regular meetings to ensure you have confidence that the strategy we have built together remains fit for your needs.
What our clients say…
Working with Tom has made our life in retirement exactly what we wanted it to be.
Mr & Mrs PatrickRead story
Tom wanted to understand what we wanted of our life, before looking at the numbers.