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Running a Successful Business is not a walk in the park by any standard. Most people who have accumiltaed wealth during their lifetime, usually are business owners.

It is important to realise that a business is not you, and that a thriving business runs in spite of you as a director or owner. However you probably make a lot of major decisions relating to the day to day running of the business. You may even have multiple business partners who owns a share in the business.

Some very important questions that every business owner must ask themselves at some stage (sooner rather than later) is:

  • ‘what would happen to the business, if you were no longer around?'
  • If you leave your ‘Estate' to your family, that includes your share of the business… Would your family members know how to run the business as good as you do?
  • If you leave your ‘Estate' to your family, that includes your share of the business… Would your family members know how to run the business as good as you do?
  • Will your business partners be able to work with your loved ones, what happens if your family just wants to benefit from the money or value of the estate and no longer care about your hardwork and legacy, would this cause a problem?
  • Will your business partners be able to work with your loved ones, what happens if your family just wants to benefit from the money or value of the estate and no longer care about your hard work and legacy, would this cause a problem?
  • Have you planned for the above possible events that may occur when you die?

A successful business could also be a very powerful tool for protecting against the payment of Inheritance Tax (upto 100% of the business value could be used to offset any inheritance Tax liability).

Click here to get further insight into how being a business owner has a lot of benefits when planning your estate and see if your business will qualify.

Being a residential landlord has been quite a challenge over the years in the UK. Tax is always a big deal with being a property developer/ Landlord.

Once upon a time it was possible to offset mortgage expenses and separate them from your personal tax and income, not anymore!

When it comes to Estate Planning, the biggest challenge with helping wealth clients with relatively large portfolios (between 5 and 50 properties or more) is The Big Tax Challenge.

  • Stamp Duty Land Tax
  • Higher Rate Stamp Duty
  • Income Tax
  • Capital Gains Tax
  • Inheritance Tax

Landlords tend to have large estates and face a massive Inheritance Tax and Capital Gains tax challenge without careful planning.

It's imperative to get the right advice, and unfortunately, It's not your accountant that will have all the answers. You need Estate Planning Advice first!

There are still quite a few ‘Jems' within the current legislation that can be utilised to help manage and minimise any event of tax especially upon death, however, the sooner you get started with planning, the easier it will be and more time to take advantages of opportunities.

Why not set up a free Strategy call to discuss your specific situation and get the help and advice you deserve.

Asset Protection is one of those silent heros that only get sdiscovered once one is at risk of loosing something valuable.

There are multiple threats ready to attack at any given time….e.g.

  • Covid – 19
  • Mental Illness
  • Long Term Illness
  • Genuine Mistake
  • Taxation
  • Debt Obligation
  • Compound Interest & Greed
  • Death
  • Profit
  • Running a Business
  • Giving Advice
  • Being Wealthy
  • Lack of Education
  • Poverty
  • Legislation
  • Our Financial/ Banking System

It's imperative that one gives serious thought on how to protect your assets, even if not for yourself, but for your children and your future generation.

For more focused information on the importance of Asset Protection and Strategies available, get in touch with our team today

Inheritance Tax is the Tax that is charged on a person's Estate once they die. The value of the estate must be less than a certain value in order for the Tax to be deemed Exempt. That special figure or value is known as the Nil Rate Band and atthe time of writing is capped at £325,000.

In other words, if you died (yesterday) and the net value your estate is less than £325,000 the effectively there would be no Inheritance Tax due. That's the ‘long and short' of the basic Inheritance Tax rules (but it is more complicated than this)

Many people have concerns about the Payment of Inheritance tax. Rightly so, as more and more people are now liable for the tax and the government receipts are increasing more and more every year.

Unfortunately, people are getting wealthier, especially if they are property owners. So it is imperative to take immediate action and to be decisive

Pension planning on Death

Pensions are a funny breed of financial product. They are important but they have a very potent and latent effect for families and a good estate planner would have to lay out all of your options related to your estate and Inheritance Tax.

Most pensions do not form part of one's estate directly, but on death, a lump sum would normally be made available to loved ones.

Rarely would a separate trust be set up to receive the funds on behalf of the beneficiaries so this opens up a horrible can of worms known as generational Inheritance tax if not dealt with early and prevented.

There's also the challenge with trust administration, so just setting up a trust may not be the right advice for you. Why?

Well trusts require administration also and just like a ltd company, they have their own set of rules and taxes. If not planned carefully then there could be hefty charges of inheritance tax down the line and could very easily catch many, many families by surprise.

So, if you have a large pension pot or have family members who may have large pension pots, it's imperative they talk to us immediately!

Feel free to set up a no cost/ no obligation strategy call today.

Please note the above content is not and should ne be construed as giving financial or pension advice, only an FCA Qualified IFA can give financial advice

Trusts are amazing vehicles if used correctly, but in our experience, many people are not getting the ‘FULL' picture of trusts and how they work, especially the part related to tax and Charges specific to trusts.

Did you know that trusts are subject to certain types of charges such as Entrance charges, Exit charges and Anniversary Charges.

Most people are not aware of the Anniversary charges which occur every 10 years and it's when the assets of a trust get revalued.

Typically (a ballpark figure) the Anniversary charge can be as much as 6% of the Trust fund. Now, unless that figure is planned for and assuming there's actually liquid funds available to pay it, this can be a very expensive surprise to most people who possess trusts in the UK.

Do you know if your trust is potentially liable for an anniversary or periodic charge?

Let's set up a strategy call and arrange to have a have a chat, click here to book a time.

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Take The Challenge!

Making Important Decisions for Your Legacy

Anything that is done well, normally always has a well thought out plan behind it. Planning your life is no different! Why not take the Challenge: ‘Making Important Decisions For Your Legacy' and make sure you covered off everything that's relevant to you. Sign up below to get on the Waiting List

Special Masterclass Training:

Book your Seat

Depending on the time of ordering, you may secure a live seat or purchase a copy of the Replay

Build Your Knowledge

Estate Planning is not always easy or straightforward to understand due to all the moving parts. Use these masterclass trainings to crystallise your learning and build understanding

Reduce the Risk of receiving ‘Poor' advice

With more focused and detailed knowledge you can challenge your professional advisers and build confidence you are getting the best advice

Eliminate Financial Ignorance

Ignorance is not Bliss, It is very expensive and costly, The Masterclasses will help you collapse time frames in your learning

Coming Soon…

Get Started With Your Estate Plan

Book Your Free Consultation Today

Speak to one of our qualified advisers and get a realistic and accurate picture of what you need to get you on the right path to protect your family and loved ones


There is a significant difference between a ‘Will Writer' and an Estate Planner. The difference is in the level of knowledge required to be an astute Estate Planning Consultant. Estate Planners have to balance taxation with Financial Services, Accountancy and Wealth Management disciplines, that is simply not the case as a Will Writer. Will Writers tend to focus on Writing Wills and Will Trusts, Lasting Power of Attorneys and Funeral Plans, which are all important products however, when it comes to solving complex problems relating one's estate, it goes above and beyond a will and this is where knowledge and experience will be tested. An good Estate Planner will have a sharp focus on both Wills (Death Planning) and Lifetime Planning including lifetime trusts. They will have access to a team of professional advisers such as Wealth Managers, Pension Specialists, Trust and Estate Administration Specialist, Probate and Estate Administration Specialist and potentially even QC's who specialise in complicated tax and trust situations, who understand the nuances and subtleties that can make a significant impact especially when it comes to mitigating against Inheritance Tax, Capital Gains tax, Stamp Duty, Higher Rate Stamp duty charges, income tax and much more. Essentially an Estate Planner will look at the bigger picture and not focus on the main instructions provided by the client. (not being derogatory towards Will Writers, it's just an observation 🙂 ) It's important to choose your Will Writer/ Estate planner carefully as the heartbeat of this industry is the level of knowledge and it's application thereof. The lack of it (knowledge) can be detrimental and financially costly. A STEP qualified Adviser (Student member, STEP Affiliate, STEP Associate or one who is studying towards Full STEP membership (STEP stands for the Society of Trusts and Estate Practitioners) and has a strong STEP Qualified team for support is the hallmark of a Qualified Estate Planner.

I am proud to say we are NOT chartered/ regulated solicitors. There are many specialist solicitors who are experts in this field and they tend to be STEP qualified/ members of STEP (The Society of Trusts and Estate Practitioners) as a sign of their expertise. So if you are adamant that you require a Solicitor rather than expert, specialist lawyers (we are lawyers as we practice the area of law related to Wills, Trusts and Private Client related disciplines including Inheritance Tax Planning, working with family businesses both traditional and Investment based, legacy planning Asset Protection etc), then please make sure they are STEP qualified/ Members of STEP!

I have a growing team of advisers who are part of the ONCE Network. However, I am happy to provide my personal qualifications for those who require it, just ask – send me an email. (Please note my level of study and knowledge may have significantly increased since the time of sharing this document). I have over 10 years experience studying and teaching Trusts (specifically Private Trusts) and consider myself to be subject matter expert in this field.

Great question! Our current fee Schedule/ Price List can be found here.

We have advisers based in different parts of London So we are equipped to help anyone in the UK i.e. England & Wales

Our mind is of 3 categories: what we know, what we don’t know, and what we don’t know we don’t know. Not knowing is unfortunate; not knowing that we don’t know is tragic.

W. Erhart