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Private Client

Examples of planning we regularly undertake for clients (please note that this list is by no means exhaustive):

  • Individuals - Accumulation / Wealth building phase:
  • Structuring investments to meet a client’s objectives and ensuring that they are aware of all risks involved and are not taking more risk than is necessary.
  • Improving the return on deposit monies for those paying significant Income Tax (for any capital that will not be utilised for some time).
  • Minimising Income Tax / CGT liabilities for higher rate taxpayers (or Trustees)
  • Ensuring adequate Life Assurance is in place to cover any mortgage liabilities and ensure dependants would be adequately provided for in the event of the death of an income earner

Individuals - Decumulation phase:

  • Redundancy planning.
  • At retirement planning - drawing tax-free cash and/or an income from pensions and/or generating income from other assets.
  • For clients in poor health who have some pension provision - advice on drawing benefits (possibly before minimum retirement age) or for advice on maximising death benefits or ensuring their spouse is taken care of.
  • Inheritance Tax mitigation for clients with assets over the Nil Rate Band(s).
  • Deed of Variation planning / IHT mitigation for clients receiving an inheritance (other than from spouse), opportunity to ‘double up’ the IHT saving.
  • Outlining the advantages/disadvantages for clients considering making large outright gifts and discussing the advantages/disadvantages of Trust planning.
  • Whole of Life insurance (typically in relation to IHT planning).
  • Advice on the sale of a holiday let / buy-to-let / Commercial Property
  • Cashflow modelling to look at a client’s cash flow situation both now and projected for the future and what steps can be taken now to improve the situation.
  • How to achieve the maximum possible value out of a pension share (particularly from a defined benefits / final salary scheme for either the pension scheme member or the non-scheme member.

Individuals - Later life planning:

  • Pre-funded Long Term Care planning for younger clients (under 65) concerned about how they would meet care costs in the future.
  • For clients at point of entry to, or already in, residential/nursing care (or their Attorneys) - advice on meeting any shortfall in funding care fees or ensuring that capital is not eroded over the long term to pay for care fees as care fees increase.
  • Outlining the complications for clients considering gifting a property to another person to avoid paying for Long Term Care (in terms of deprivation of assets, Capital Gains Tax (CGT) implications and Inheritance Tax implications) and what other planning is available instead to help meet care fees.


  • Ensure Trustees receive regular and good advice in line with the Trustee Act
  • Specialist IHT schemes (such as schemes that work within a short period of time for clients with reduced timeframes for IHT planning)
  • Personal Injury Trusts
  • Trusts for minors / Intestacy
  • Charities