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How to Slash Inheritance Taxes

Simplifying Inheritance Tax: A Practical Guide to Business Property Relief (BPR) Inheritance tax planning may sound like a complex puzzle, but there's a key that unlocks a simpler and more tax-efficient solution – Business Property Relief (BPR). Designed for families and everyday investors, BPR offers a strategic way to

Unlocking Your Legacy: Elevate Your Estate Planning Strategy for a Secure Future

If you have children and assets that hold great importance to you, settling for basic wills simply won't cut it. In fact, they're downright terrible. Here's why you need a more sophisticated approach: 1. Imagine this: You're married, and unfortunately, you pass

Don't Let Love Cost You: Mastering Estate Planning for Unmarried Couples

Love knows no boundaries, but when it comes to protecting your loved ones, legal boundaries do matter. If you're an unmarried couple, ensuring the financial security of your partner after your passing is vital. Let's dive into the world of estate planning for unmarried couples, discover

5 Reasons to Set up a pension trust

I was explaining to an adviser today, about what happens to their client’s pensions and death in service benefits, if the client died before starting to take that pension. It can be a confusing topic, but I’ll break it down in simple terms. Let's say you&

Mirror Wills: Protecting Your Partner’s Financial Future

If you're looking for a way to protect your partner's financial future, you may want to consider creating a mirror will. A mirror will is essentially identical to that of a spouse or partner, and it's a popular option for couples who want to

Secret Trusts: Everything You Need to Know

A secret trust is a type of trust in which the testator leaves a gift to someone in their will but intends that the recipient holds it to make a gift to another person. There are two types of secret trusts: 1) fully secret trusts 2) half-secret trusts A fully

The Importance of a Residuary Clause in Your Will: Ensuring Your Assets are Distributed According to Your Wishes

Let's talk about the important topic of residuary clauses in a will. When you make a will, you'll want to ensure that all of your assets are distributed according to your wishes after you die. That's where the residuary clause comes in. Essentially, a

The Startup Founder's Guide to Lasting Power of Attorney (LPA)

As a startup founder, you're always thinking ahead and planning for the future of your business. But have you considered what would happen if you were suddenly unable to make decisions for yourself? That's where a Lasting Power of Attorney (LPA) comes in. An LPA is

Building and Maintaining Trust with Your Clients

The Importance of Building and Maintaining Trust with Your Clients Private client advisers have the privilege of helping their clients achieve their financial goals and secure their futures. However, one of the most critical aspects of the job is building and maintaining trust with their clients. Without trust, their advice

Estate Planning for Parents of Disabled Children: Why a Vulnerable Person's Trust is Crucial

As a parent, you want to do everything you can to protect your child and ensure they have a secure future. But have you thought about what will happen to your child if you're no longer around to care for them? It's a difficult question, but

Secure Your Home and Protect Your Family's Future: How to Put Your Main Residence into a Trust

Ensure your assets are in safe hands, even after you're gone. If you're a homeowner, it's likely that one of your top priorities is keeping your home safe and secure. However, have you ever considered what might happen to your home after you'

The Simple Way to Protect Your Assets for Your Loved Ones

What is a Nil Rate Band Discretionary Trust and Why Do You Need One? Estate planning is an important aspect of managing your assets, especially when it comes to passing them on to your loved ones. A Nil Rate Band Discretionary Trust is a trust that can help you to

Estate Planning for the Modern Family

Overcoming the Challenges of Blended Families Here's an example of how estate planning can help bring peace of mind to families with complex structures.   Jonathan and Ravinda had a complex family structure, with children from previous marriages and grandchildren. This is often referred to as a 'blended

Family Investment Company: How to's

If your family owns a business and you have a large estate, there are different inheritance tax (IHT) planning strategies that can be tailored to meet your specific needs and circumstances. The key is to work with a qualified adviser who can provide expert guidance on the best strategies for

The Family Investment Company (FIC): case study

The world of estate planning can be complex and overwhelming. With so many different strategies available, it can be difficult to know which one is right for you. Let me share a quick story to help illustrate how different strategies can be used to meet the unique needs and circumstances

Aligning Your Wealth with a Purpose: How to Make a Meaningful Impact

Pursuing a Purpose Can Make You Richer in Every Sense. Discover the power of purpose-driven wealth and how it can transform your life and the world around you In my experience working with high-earning executives, business owners, and startup founders, the pursuit of wealth often becomes the sole focus of

It's never too late to be the person you could've been.

"It's never too late to be the person you could've been." These words from Jim Rohn have stuck with me for years, and they continue to motivate me today. When it comes to personal development, age is just a number. I've met

Why Everyone Deserves Financial Freedom

You may not be my typical client profile right now, but here's what I've learnt that you may be interested to know. When I first started my journey as an adviser and money coach, I had a very clear idea of who my ideal client was.

What the hell am I doing with my life?

If you've ever asked yourself this question, you're not alone. Many of us feel unfulfilled and unsure of our purpose. But what if your financial situation could be a clue to finding your purpose? On my adventures in the world of finance, I've discovered

Secrets to Financial Success:

💰🤑💵Lessons from Working with the Wealthy 💰🤑💵 I've had the opportunity to work with some very wealthy individuals. And while their bank accounts may be larger than most, their habits and practices when it comes to personal financial planning are attainable for anyone. Here are three key lessons that

3 Secrets Your Money Coach Won't Tell You (But Should)

Money coaching can be a game-changer for anyone looking to take control of their finances and achieve their goals. But did you know there are a few secrets that your money coach might not be sharing with you? 🤫 Here are three insider tips that every savvy investor needs to know:

Stop Comparing Yourself to Others

Success in Your 40s: Why Patience and Planning Are Key 🌟 I remember turning 40 and feeling like I was running out of time. I had big dreams and ambitions, but I felt like I was behind schedule. I had friends who had already achieved great success in their careers and

Why trusts are a powerful tool in estate planning

💡 Insight from my personal experience: Why trusts are a powerful tool in estate planning 📜💼 As part of my work, I know the importance of estate planning for protecting your assets and providing for your loved ones. But it wasn't until my own experience with trusts that I truly

Mastering the Art of Deep Work

How It Can Help You Achieve Financial Success Have you read "Deep Work" by Cal Newport? If not, I highly recommend it! I've found that the principles in this book can be applied to personal financial planning with great success. In the book, Newport argues that

Why Your Love Life Might Be Holding You Back (Financially)

💕💰 The Surprising Connection Between Relationships and Money 💑💸 I often work with couples who are struggling to achieve their financial goals due to relationship issues. And I've seen first-hand how these issues can create a complex web of financial challenges that can be difficult to untangle. Let me share