Does this sound like you?

I want the people I love to have money when they need it, without paying the tax man a cut.

Exploring Needs

Many people get to a point in life where they start thinking about what will happen when they pass away. The truth is, that's the wrong way to look at it.

Inheritance tax is a terrible reputation - and for good reason! We pay tax when we earn money, we pay tax when we spend money, and we pay tax when we grow money. To pay tax when we leave money to loved ones can be a kick in the teeth.

But there's good news - inheritance tax is entirely optional if you plan for it, and it starts with a change in the way we think about leaving money.

Individuals that work with us can be confident that they've passed money on to their family at a time in their lives where it can make a real difference, thus escaping the clutches of inheritance tax, without fear of giving away too much too soon. We can also use other options to pass money efficiently and for the benefit of the people you care about most.

They say they money can't buy happiness; but it can certainly facilitate it.

During your working life, you're generally constrained by the income that you earn. Living within your means is a sensible strategy that allows you to save for the future, so that one day you can stop working.

But what happens when you no longer have an income to be constrained by?

So many of us have accumulated money in so many different places. Multiples of current accounts, savings accounts, and ISAs. A pension here, a pension there. Some shares they were left by their late parents. It can be a real minefield, especially if you are too busy to try to organise everything.

Families that work with us are able to simplify their affairs and feel confident that they have the right money in the right place, so that they can then produce a regular income at the right time. Not just any income, either - an income that they decide on, to allow them to live the life of their dreams, not just the life that their career provided.

Windfalls can come in a variety of ways: inheritance, insurance payout, business sale, or even gambling. No matter how it comes, most of us become paralysed for fear of making a mistake and squandering once-in-a-lifetime money.

Does it allow you to retire? Go part-time? Take a dream holiday? Get married? Help family? Change careers? Do you save in cash? Invest? Put it in to a pension? Pay down debt? Purchase property?

The possibilities are almost endless. So we end up doing nothing - but that's the greatest mistake of all.

We work with you to understand what's most important to you, and what it is you'd like to achieve most in your life. We then put a plan in place to help you achieve it, and a windfall can be the perfect start to get your plan in motion.

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What do you want?

Great financial planning is deeply personal, so it's essential for us to understand what's most important in your life, and what outcomes you're trying to achieve.

Security for my family

Security for the family

Security for my family

Extract money from the business

Make Work Optional

Clarity for your finances

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