a trustee or providing an inheritance.

future-proofing wealth one decision at a time

ensure your family’s financial security

What happens to someone’s wealth and assets after death is often complicated and there are many avenues you could go down. You may want to stay in control of how your wealth is distributed yourself, or perhaps you are a trustee responsible for someone else’s money or you are the future beneficiary.

As an individual providing an inheritance, you want to ensure as much of your money goes to your family as possible, rather than being lost through unnecessary taxation. This allows you to help your family when you’re no longer here.

As a trustee, your concerns are a little different, as you are responsible for money that is not yours and you have legal obligations and responsibilities.

However, in both instances, whether as an individual or trustee, you want to make the right decision for the family members involved. Whichever camp you fall into, we will be there to help you make the right decisions.

expert advice

this is how we provide solutions to your problems

Our expertise lies in treating our clients with care and compassion while providing expert guidance when they need it the most. We not only care about the future of our clients but also the future of their family and future generations.

Our commitment is not only beneficial in the short term, but it also fosters a culture of trust and collaboration for generations to come, leading to lasting success.

Ensuring everything is up to date

When looking to provide an inheritance, we will work with you to ensure that your individual will is still appropriate and that the right people are named. As part of this, we can put you in touch with one of our trusted legal advisers. We will also clarify whether your Lasting Powers of Attorney are still appropriate. It’s all about getting your ducks in a row now to remove any complications further down the line and ensure the right people inherit your hard-earned wealth.

Structuring your investments

When making this big decision, you will have questions about where to best place your money. By explaining the options available to you, you can make a well-informed decision about what is best for your financial future based on your attitude to risk. We can ensure that your investments are structured in a way that maintains flexibility should your circumstances change.

Keeping in touch

We want you to always feel cared for and that everything is under control. To alleviate any worries, as part of our ongoing service, we will book regular progress check meetings to ensure that your needs and those of the trust (where applicable) continue to be met. We will also help you navigate the choices available, whether you’re looking to provide an inheritance for your family or if you are a trustee.

frequently asked questions

Will you work with my other professional advisers?

Absolutely. We want to make this as stress-free as possible for you and we believe in working with your other advisers to achieve the greatest possible outcome for you. After all, we want to make sure that we are all on the same page and looking to achieve the same outcome.

I’m a trustee, do I have to seek advice?

Yes. You must seek professional financial advice by law under the Trustee Act 2000. However, you are free to choose an adviser that will best suit your specific needs.

Can you help with the Trust Registration Service?

Trusts often involve burdensome administration, so we want to take as much of it off your plate as possible. We explain what the Trust Registration Service is and can support you in registering your trust.

How could long-term care affect my wealth?

Understandably, you may be concerned about the implications of going into long-term care. We help to minimise the impact that long-term care costs have on your finances while considering your views on the type of care you would like.

What difference does the type of trust have on how I should invest the money?

Some trust deeds will state that a beneficiary is entitled to the income but not the capital. Whereas other trusts allow you to pay capital to all the beneficiaries. How we structure the investments of a trust depends on the terms of the trust and what you are allowed to pay to beneficiaries (income or capital).

How can I benefit from your advice?

Trusts are subject to higher rates of tax and lower tax allowances in most instances, so we can help you maximise the allowances available. Unnecessary tax can lead to you paying 20%, 40% or even 45% tax on the gains that your investment makes. The biggest impact on long-term returns is often the amount of tax paid. Get this wrong, and it could set you back significantly.

Will you keep me updated on progress?

We will, of course, keep you updated throughout any transaction we are advising you on. Our ongoing advice service means that we will have regular progress check meetings to do exactly that. During these meetings, we will update you on your progress and ensure that you remain on track to achieving your goals and aspirations.

How can I benefit from your size and scale?

We are part of the Quilter Financial Planning Network and use their buying power to reduce the costs that you incur from recommended providers to give you great value solutions. Through the network, we also have access to exclusive solutions with benefits you won’t find anywhere else. Quilter Financial Planning’s targeted in-house market research and analysis allow us to reduce costs and give you the best possible value when determining our fees.

Don’t just take our word for it.

In all our negotiations, David has explained things in an easily understood manner, which has made a complex procedure much easier to comprehend. Having never had any experience of the world of finance, I’ve found him supportive and informative.

Susan, Received an inheritance

The whole experience has been professional, friendly and informative. At all times, I could ask the “daft question,” which was really important for me as I was unskilled in this area and needed to trust the person I chose.

Jason, Actively retired

David was very thorough and went through every fine detail regarding my private pension. He gave me lots of guidance and different options. David always went out of his way to help me and is extremely knowledgeable.

Jennifer, Actively retired

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Ready to take your financial plan to the next level?

We love meeting new people and learning about you. If you are interested in finding out more, please schedule an introductory meeting with us by clicking on the button below. We do not charge for an introductory meeting, and we can both use this meeting to assess whether we are the right fit for one another.

The Financial Conduct Authority does not regulate tax planning, Trusts, Estate Planning, Will Writing and Powers of Attorney and Inheritance Tax planning.
Tax treatment varies according to individual circumstances and is subject to change.
The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.
Will Writing and Powers of Attorney are not part of the Kind Wealth nor Quilter Financial Planning offering and are offered by referral only.

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