Family Wealth

Pensions are one of the most tax-efficient tools for long-term wealth building and intergenerational planning. We offer bespoke pension planning services that help you make the most of annual allowances, carry forward unused reliefs, and integrate pension contributions into your broader estate and tax strategy. Whether you're an individual planning for retirement or a business owner looking to fund a pension tax-efficiently, we ensure every contribution is accurately calculated and submitted on time. We also provide guidance on lifetime allowance issues, drawdown strategies, and passing pension assets to beneficiaries tax-efficiently. With our precise and timely support, you’ll build a pension strategy that protects wealth now and in the future.

Planning for inheritance tax (IHT) requires early, accurate, and expert guidance. We help families reduce exposure to IHT through tailored strategies that align with long-term financial and legacy goals. Our advice covers lifetime gifting, use of exemptions, trusts, pensions, and property planning—all delivered with precision and timely implementation. We ensure every step is carefully calculated to stay within HMRC rules while maximising the value passed on to the next generation. With regular reviews and proactive planning, we help you stay ahead of legislative changes, avoid last-minute decisions, and build a sustainable legacy.

Trusts and estates must meet strict tax reporting obligations, often under complex rules. We prepare and file trust and estate tax returns with complete accuracy and always on time. Our service includes registration with HMRC’s Trust Registration Service, calculation of income tax and capital gains tax liabilities, and assistance with inheritance tax reporting. Whether you're a trustee, executor, or beneficiary, we ensure full compliance with your legal responsibilities and provide clear guidance every step of the way. Our detailed approach prevents errors and delays, giving you peace of mind during emotionally sensitive processes.

Effective wealth transfer requires more than a will—it demands a holistic, tax-efficient strategy. We work with families to design structured plans for transferring wealth during life and at death, using tools like trusts, gifting allowances, life insurance, and business relief. Each recommendation is based on your goals and family dynamics, and every strategy is implemented with meticulous attention to timing and accuracy. By understanding both your financial position and HMRC thresholds, we help you minimise tax, protect assets, and ensure your wishes are realised smoothly across generations.

Succession planning is vital for families with businesses or significant assets. We guide you in creating robust succession plans that are clear, tax-efficient, and aligned with both personal and commercial goals. Our advice includes reviewing shareholdings, partnership structures, shareholder agreements, and inheritance arrangements. We work alongside your legal advisers to coordinate implementation and provide ongoing reviews to adapt to changes in law and family circumstances. With our structured, accurate approach and timely execution, you can safeguard your legacy and facilitate a seamless handover to the next generation.

Family Investment Companies offer a flexible way to manage and preserve family wealth. We support clients in setting up, maintaining, and administering FICs with tax efficiency and compliance as our top priorities. From incorporation to structuring share classes and preparing financial statements, we handle all aspects of FIC operations with care and precision. We also monitor profit extraction, dividend planning, and director responsibilities, ensuring all filings are completed accurately and without delay. Our tailored support makes FICs a powerful tool in your long-term wealth strategy.

Legal agreements are essential for protecting family wealth and clarifying future intentions. We assist with reviewing and coordinating trusts, wills, co-ownership agreements, and formal gifting arrangements. Our role is to ensure these documents are accurate, up-to-date, and tax-compliant. We liaise with solicitors where needed to integrate financial and legal considerations and ensure all arrangements reflect your wishes. With our timely, detail-focused advisory, your family’s wealth is safeguarded and your legacy properly structured for future generations.