Estate planning

Don’t leave it too late, start planning now

Many of us would like to be able to leave a legacy to our loved ones when we die, but have you thought about the impact it might have on your family when the time comes? Traditionally thought to just be a tax on the very wealthy, Inheritance Tax could end up being a larger financial burden than you originally thought. By planning ahead, you can ensure that the wealth you’ve accumulated goes to the right people at the right time.

But I already have a will, doesn’t that mean my estate will be fine?”

This is a common misconception we hear from our clients. Whilst it is important to ensure your will is up to date, this alone is often not sufficient to address the amount of tax payable on your estate. By working with us, we can help ensure not only a minimised tax bill, but also that your family will be looked after when you’re no longer here.

If you want to put in place a plan, contact us today to arrange a complimentary, no obligation appointment to discuss how we might be able to help.



The average Inheritance Tax bill in the UK is more than £200,000

Source: HMRC/NFU Mutual

Here’s how we can help

Inheritance Tax

Inheritance Tax (IHT) is typically charged at 40% on anything above your nil rate band, meaning you could face a significant tax bill without careful planning. We can help you plan ahead, so it doesn’t become a burden.

We’ll help you understand how much tax will be payable on your death, then explain the steps you can take to reduce your IHT bill. By taking action today, we can help ensure that more of your wealth goes to your beneficiaries, rather than HMRC. Just get in touch to find out more.


Making financial gifts can be an effective way of managing the amount of tax payable on your estate. But it can become a complex area of planning and is something that requires specialist advice. That’s where we can help.

We’ll help you understand the options available, including lifetime gifting and gifting into trusts. We will also ensure you’re aware of any allowances available, and agree a strategy for utilising them. With the right kind of planning, you can ensure your family benefits in both the short and long term.

A joined-up approach

We find things work more effectively when they’re underpinned by great communication. We’ll work with your other tax and legal professionals throughout the estate planning process, ensuring a cohesive and joined-up  approach to your affairs.

The right strategy for you

We’ll clearly explain the pros and cons of the strategies available to you, and how they might impact each other. Whatever your requirements, we’re here to ensure you and your family have the right solutions in place, so you can have peace of mind for the future.

The Financial Conduct Authority does not regulate tax advice. Levels and bases of taxation may be subject to change and their value depends on the individual circumstances of the investor.

Client based in Cheshire

Mark provided clear, concise and understandable information on the options that were available to us. He talked us through our risk profile and provided sound advice on the action for us to take going forwards.

Client based in West Yorkshire

Mark is excellent at explaining the complexities of investing to somebody with very little understanding of financial matters. He has devised a portfolio of investments that should give me a comfortable living. He’s a likeable, approachable person with so much patience.

Client based in Cheshire

When we were looking to set up a trust fund for our daughter, Mark talked us through every step of the way. He made sure we fully understood the nature of what we were looking to achieve and formulated a sensible approach to the trust investment.

Client based in Cheshire

Having released equity from my house sale, I needed specialist advice regarding how to invest the money to achieve the best return. Mark helped by producing a comprehensive financial portfolio. He thoroughly explained how the service worked and was very helpful and professional throughout the whole process.

Client based in Cheshire

Mark has helped a number of my clients with key person insurance. He’s also reviewed my pension pots and advised me on the best way to manage them moving forward. I value that he’s available when I call.

Client based in Cheshire

Mark has listened to what I want to achieve and created a portfolio of investment products to meet my needs. He has clearly explained the options that are available to me along with the benefits and risks of each of the investments he has recommended. Mark has been my financial adviser for over 10 years and during this time I have been very happy with the quality of the advice he has provided to me.

Client based in Cheshire

Mark helped by initially spending time to understand my goals and objectives not just from a financial point of view but also for my life in general. He produced a detailed report that reflected our discussions and included recommendations which encompassed an overriding strategy. Mark has advised me on other important financial matters such as my pension, retirement income and inheritance planning.

Private client form

Whether you have an existing portfolio that you need to review, your current adviser has let you down, or your surplus cash is not working hard for you, we can help.

Call us today to arrange a complementary, no obligation meeting to discuss your circumstances.

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