Your life today, your family’s future
Passing on wealth starts with understanding what you may need yourself. We consider the life you want, the people you hope to support and the choices available, bringing the financial and family picture together.
Bring your decisions together
Your pensions, ISAs, general investment accounts and investment bonds may serve different purposes. We consider how they work together, alongside inheritance wishes and trust planning where appropriate, with specialist legal or tax input where needed.
Any decision should take account of access to your money, investment risk, costs and the possible consequences for you and your family. Tax savings are one part of the plan.
A plan that can adapt
Family circumstances, legislation, allowances and thresholds can change. Ongoing reviews help you understand what matters for your plan and whether action is appropriate, giving you time to make considered decisions.
Start with a conversation
We work with clients across Suffolk, Essex, Norfolk, Hertfordshire and Cambridgeshire. Meet us at home, by phone or by video, with time to explore what matters to you.
Your initial consultation is free. Any fees will be explained before a meeting takes place, and all meetings are without obligation.
Tax treatment depends on your individual circumstances and may change. Investments and the income from them can fall as well as rise, and you may get back less than you invest.
Inheritance planning questions
Explore the decisions that often matter for you and your family. Each answer is general information and cannot replace advice based on your circumstances.
Inheritance planning brings your own future and your wishes for the people you care about into one plan. We look at your pensions, investments, spending and family circumstances, then explain the choices available to you. The aim is to make informed decisions about your wealth, rather than arrange your life around tax alone.
This is general information, not personal financial advice.
We start with what you may need for your own life, including income, larger purchases and unexpected costs. Cashflow planning helps explore how different choices could affect that picture. It can support a thoughtful conversation about helping family, while recognising that forecasts depend on assumptions and cannot guarantee your future financial position.
This is general information, not personal financial advice.
Your pensions are considered alongside your investments, other income and family wishes. Our pension advice focuses on defined contribution pots. Defined benefit income can be included in your wider financial plan, but we do not advise on transferring defined benefit pensions. Keeping beneficiary nominations under review is one part of the wider conversation.
This is general information, not personal financial advice.
From 6 April 2027, most unused pension funds and pension death benefits will be included in the value of an estate for inheritance tax purposes. That makes it sensible to review plans that relied on leaving pensions untouched for family. It does not mean everyone needs the same response.
Read HMRC’s explanation of the change.
This is general information, not personal financial advice.
A tax change alone is not a reason to make an immediate withdrawal. We would consider your income needs, investment plans, tax position and family circumstances together before recommending a course of action. Taking money out may have other consequences, so the right response starts with a review of your full financial picture.
This is general information, not personal financial advice.
We consider how your ISAs, general investment accounts, investment bonds and pensions work together, including access, risk, charges and tax treatment. No single account or product is the answer for every family. Where trust planning is relevant, we explain its place in the wider plan and coordinate with appropriate legal or tax specialists.
This is general information, not personal financial advice.
They may be worth exploring when they support your wishes and leave you comfortable about your own future. Gifts can affect access to your money. Trusts can involve legal responsibilities, costs and tax charges, so they require careful advice. Neither is an automatic route to removing inheritance tax.
See GOV.UK’s introduction to trusts.
This is general information, not personal financial advice.
Your plan should be reviewed as your life and the rules change. We consider whether new legislation, allowances or thresholds affect your arrangements, explain the implications and discuss whether a change is appropriate. Sometimes the best response is a measured adjustment. Sometimes it is to stay with a strategy that still meets your needs.
This is general information, not personal financial advice.
Yes. With your agreement, we can work alongside your solicitor or accountant so your financial arrangements and wider estate plans support the same intentions. They can advise on legal documents and specialist tax matters within their own remit. Clear communication helps identify gaps, responsibilities and the order in which decisions need to be made.
This is general information, not personal financial advice.
It starts with what matters to you, rather than a particular label or level of wealth. You may want clarity about helping children, supporting a partner or leaving a meaningful inheritance. The appropriate level of planning depends on your assets, needs and circumstances. A conversation can help establish whether our service is a good fit.
This is general information, not personal financial advice.
We can help you consider how your financial plans reflect the people who matter to you, including children from different relationships or dependants with particular needs. We take time to understand your wishes and work with suitable specialists where legal or trust arrangements are involved. The first step is a private conversation about your circumstances.
This is general information, not personal financial advice.
We will talk about what you want your wealth to do for you and your family, and explain how we could help. You do not need to arrive with a finished plan or know which service you need.
Your initial consultation is free. Any fees will be explained before a meeting takes place, and all meetings are without obligation.
This is general information, not personal financial advice.