Financial Planning


Life Assurance and protection insurance are often overlooked when reviewing your finances, which is typically due to the challenge of deciding on the type and level of cover required. Therefore as part of the service we provide to clients, we can advise on all forms of protection cover for example, life, critical illness and disability insurance. In many cases it is relevant to write life policies under trust, thus enabling the proceeds to pass to beneficiaries without adding to your estate value.

Succession and Tax Planning

Without the right advice and careful financial tax planning, HM Revenue and Customs could become the largest beneficiary of your estate following your death with the Inheritance Tax rate at 40% on assets over the nil rate band. Succession and tax planning is therefore an important element of the overall wealth management process for many clients. Whether their assets have been built up through property, investments or their business, ensuring it can pass to their chosen beneficiaries when they die as tax efficiently as possible is a key element of their planning requirements.