intergenerational wealth management.

we help you to future-proof your wealth

generational support

Intergenerational wealth management is about how families use their collective wealth to support each other during their lifetimes.

Increasing life expectancy and major social change may mean that many families need to reconsider how their wealth can work harder for the benefit of the whole family.

Traditionally, wealth has passed from one generation to the next upon death. However, intergenerational wealth management challenges that notion and looks at how families can use their wealth more collaboratively to support each other during their lifetimes.

expert advice

future-proofing your wealth

In the earlier years of your career, many of us aspire to the creation and retention of wealth. However, as you become older, your objectives may change to provide for the successive generations. At this stage, it is the protection of accumulated wealth that becomes importance, including the effects of Inheritance Tax.

Inheritance Tax is charged at 40% on all assets above the allowances known as the Nil Rate Band (NRB) and the Residence Nil Rate Band (RNRB). Given the surge in both property values and investment markets since the start of the century, it is clear that what was once a tax on the very wealthy, is now becoming relevant to a much larger group of families.

Wealth also needs to be protected from a plethora of other events, many of which may lead to your chosen beneficiaries being either unable, unwilling or insufficiently responsible to look after the funds themselves. This includes generations not yet born, those who may be at risk of divorce or bankruptcy, and those liable to the expense of long-term care costs. 

There are several practical courses of action that may be taken to preserve and enhance your wealth for your heirs:


Ensure that your financial affairs and your Will are arranged to allow the tax-efficient transfer of your assets upon your death.


Create a tax-efficient fund to provide a legacy, or to enable the beneficiaries of your estate to meet any IHT liability.


Transfer assets before your death through the use of lifetime gifts.

To create wealth takes enterprise, vision and hard work. To retain and protect wealth also requires these same characteristics, along with well thought out trust and estate planning.

Helping loved ones onto the property ladder

Making the first step onto the property ladder is becoming more and more difficult for younger people. Consequently, an increasing number of parents and grandparents are stepping in to assist the younger generations in the family making that step onto the property ladder.

There are a number of ways to do this: gifting, loans and providing security to mortgage providers are all worth consideration, and many of these also have the dual advantage of helping with effective estate planning. However, caution and advice need to be taken when considering which option to take, to ensure that no unexpected tax liabilities result from your act of generosity.

Investing for a better future for your children

Supporting your children onto the property ladder is a very generous act, but starting an investment plan from a very young age has even more advantages. Setting aside funds from the early years means that even modest amounts invested on a regular basis will benefit from the effects of compounding, and reduce the risk of investing more significant amounts at the wrong time or during periods of market volatility.

By the time your child reaches 18, this could mean that they have a substantial fund to assist with university life or a generous pot accumulating for their first house deposit.

From an estate planning perspective, by using gifting allowances to fund the investments. Currently, an individual can gift a lump sum of up to £3,000 per year, and unlimited gifts of £250 per year.

The suitability of using gifts and trusts is best understood in the context of your own personal circumstances. One of our financial advisers would be more than happy to assist with your estate planning needs.

Retirement income across multiple generations

With increasing life expectancies, there will inevitably be more families with multiple generations in retirement at the same time. Therefore, more people will need to start reassessing how they plan for the later stages of life.

As a result of this likelihood, it becomes more important than ever to plan for this eventuality.

Please note

Your home may be repossessed if your do not keep up repayments on your mortgage.

The Financial Conduct Authority does not regulate Inheritance Tax planning.

Tax treatment varies according to individual circumstances and is subject to change.

Trusts are not regulated by the Financial Conduct Authority.

Estate Planning is not regulated by the Financial Conduct Authority.

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

drop us a line

You can read a copy of our Privacy Notice by clicking here.

kind wealth

adds value

When deciding the fees we charge for advice we want to be sure you receive value for money and that the solutions we recommend are likely to deliver your objectives.

Ground Floor
3a Swallowfield Courtyard
Wolverhampton Road
B69 2JG

Inheritance Tax Planning, Estate Planning and Tax Planning are not regulated by the Financial Conduct Authority.

The guidance and/or information contained within this website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK.

(+44) 121 233 0611

helping you reach your life goals through proper management.

Kind Wealth Limited is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited which are authorised and regulated by the Financial Conduct Authority.

Quilter Financial Services Limited and Quilter Mortgage Planning Limited are entered on the financial conduct register ( under references 440703 and 440718.

Kind Wealth is registered in England and Wales No 08431437, Registered Address 3B Swallowfield Courtyard, Wolverhampton Road, Oldbury, B69 2JG.