Independent Wealth Management

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Estate planning

Arranging a Will is all too often overlooked. People generally do not want to face up to their own mortality. However, a Will is a crucial part of good financial planning and we urge you to ensure that you have an up to date Will.

Not arranging a Will could mean that a deceased person’s assets are passed to the ‘wrong’ people. Also the value of the estate could become subject to unnecessary Inheritance Tax.

Those people that die without having drafted a valid Will are considered to have died ‘intestate’. In this situation the law lays down a standard set of rules for the distribution of their assets.

Dealing with the estate of a person who has died intestate can be very complicated. This is particularly true when the person has children; even grown up ones.

A Will can be prepared in a matter of hours with average costs starting at around £250. The potential savings from this initial outlay could be significant, as administration costs when dealing with your estate would be reduced and also Inheritance Tax planning arrangements could be put into place.

Should you need assistance please contact us and we can put you in touch with a recommended Solicitor or Will writing professional.

The Financial Conduct Authority does not regulate Tax, Trust or IHT Planning

Tax treatment is dependent on individual circumstances and may be subject to change in the future

Life Assurance in Trust

When you take out a Life Assurance policy, you will usually have the option of placing it into a Trust. This is often overlooked by policy holders and unfortunately sometimes by advisers.

Read this article ›

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After a long career dealing with other people’s money (often major six figure sums on a daily basis) I considered myself to be pretty numerate. However, facing retirement the whole pensions jungle filled me with dread as I knew it was a task I would neither relish nor easily absorb. Having taken the decision to get some help I decided I didn’t want my bank involved nor any corporate suit.

From everything I’d read and heard it was clear that I personally needed someone who could guide me through the process, having first understood our needs and to then explain each step simply without all the uniquely incomprehensible language so often encountered in this industry.

I wanted a local Financial Adviser with a good track record and I initially used a website to draw up a shortlist of suitable candidates. Barry stood out as just the kind of bloke we could do business with and, having appointed him last year, we are delighted with his service.

It’s been quite a “journey” sorting it all out these past few months but we now feel we have fully optimised our pension options and at last really enjoy our retirement. We can therefore thoroughly recommend Barry to anyone seeking such a Financial Adviser.

Mr Peter Seabrook-Harris

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