Independent advice across the full picture of your wealth

A single coherent plan that ties together your business, your investments, your tax position, your pension, your estate, and the people you are responsible for. Cashflow modelled across multiple decades, stress-tested against scenarios that matter including an early exit, market drawdown, illness, divorce, succession.

Reducing the tax leakage on a business sale, executive compensation, post-exit reinvestment, and intergenerational wealth transfer. BADR, EIS, VCTs, pension funding, trusts, Family Investment Companies, and the timing decisions that materially change the answer.

Annual Allowance and carry forward, NMPA changes from 2028, the post-LTA Lump Sum Allowance regime, drawdown sequencing, SSAS where appropriate, and the order in which different pots should be drawn to minimise lifetime tax.

For owners approaching a sale, founders post-exit, and senior executives with significant equity stakes. Pre-sale CGT and BADR structuring, executive compensation planning, post-exit deployment, and the multi-disciplinary planning that holds together across the inflection points where most of the long-term financial outcome is decided.

Inheritance tax planning, BPR and APR where relevant, trusts, lifetime gifting, gifts out of normal expenditure, and the practical conversations about how wealth passes to the next generation in a way the family can sustain.

Bespoke portfolios built around your tax position, time horizon, and risk capacity rather than around an in-house product range. Whole-of-market access including discretionary mandates, MPS, direct-equity solutions, private markets where appropriate, and structured deposits or fixed income for shorter time horizons.

Life cover, critical illness, income protection, and shareholder protection sized properly against the actual liabilities they need to cover, including IHT funding, ongoing family income, and business continuity.

Preparing the next generation to inherit responsibly. Family meetings, governance frameworks, and structured conversations that translate financial wealth into something a family can hold together over decades.