Case Studies

The following are examples of the typical cases we deal with for our clients.

The exact solution will vary according to each individual and their personal circumstances.

However, it is important to recognise that each scenario will have a range of options and seeking professional advice will not only maximise your potential returns but also significantly reduce the risk of you making a critical and costly error.

All potential clients will receive a free initial assessment together with a detailed written recommendation including a summary of any fees. If you are happy with our recommendations we will then complete the paperwork on your behalf and arrange for investment and/or pension scheme to be regularly reviewed to ensure that everything remains suitable and effective on an ongoing basis.

Planning for Inheritance Tax

IHT is currently payable at 40% of the value of assets on death in excess of £325,000. This will be paid by the beneficiaries of your estate.


If you own your primary residence then you may also be able to benefit from the additional residence allowance where up to £1m can be left tax free to certain types of beneficiary over a phased period.


A Discounted Gift Trust can be very effective for people who want to retain a lifetime income stream (and potentially reduce their immediate IHT liability subject to health)


Loan Trusts can be attractive to clients who want to retain access to the original capital.


For clients who want to retain complete control of the capital and income then a life assurance policy written into Trust may achieve this objective.


We can calculate your likely IHT liability and explain the various options. Avoiding IHT can be easier to achieve than most people think.

Setting up a SIPP

A SIPP is a pension scheme where you control the underlying investments. Many company directors are attracted to this type of pension scheme because the fund can be used to purchase a commercial property such as an office that the Company can then rent and use for business purposes. This rent will accumulate in the SIPP tax free.

SIPP's can also invest in traditional pension funds as well as deposit accounts and ordinary shares and therefore may be suitable for clients who want to exercise a high degree of control over their pension investments.

Investing for income

We offer two primary income options.

Our Higher Income portfolio will pay an immediate high income (please ask us for the current estimated yield). It is designed for clients whose priority is long term income and are less concerned by the need for capital growth.

Our Balanced Income portfolio is designed for clients who want both a regular income stream and long term capital growth. The estimated income yield is generally lower than the Higher Income option although the overall return (income plus capital growth) is potentially higher.

It is particularly important when investing for income that you consider which type of product is the most effective from a tax planning point of view. Some products offer tax free income whilst others produce a tax deferred withdrawal facility that could be beneficial if, for example, you are likely to pay a lower rate of tax in the future than you currently do now. These are the sort of variables we will assess before making a recommendation.

Investing for growth

Whether you want to review your existing investments or have money on deposit and want to improve the potential returns you should consider our Active Wealth Management service. We manage money for clients invested in ISAs, OEICs, Unit Trusts, Investment Bonds etc

We will ask you to tell what level of risk you are prepared to take using a simple questionnaire and then build you a portfolio of funds aimed maximising the returns without exceeding that risk.

You will then receive a quarterly valuation and detailed review including free fund switches if required. This is designed to ensure that you remain invested in the best possible funds throughout the ever changing investment cycle.

Time to retire? Using your Pension ‘pot’ to produce an income (or lump sum)

When you have spent your working life accumulating a pension pot you want to make sure that you will not run out of money during your retirement.

The new pension freedoms can appear complicated and it is important that you understand the difference between a guaranteed annuity and a flexible 'drawdown' type of scheme.

Flexi Access drawdown schemes potentially allow you to take your whole pension as a lump sum. But we will help to guide you through the potential minefield of the tax implications. At the same we can estimate if there is a risk of you ‘running out of money’ before you die and assess the likelihood of you being able to leave any residual pension money to your beneficiaries.

Annuity schemes offer the security of a guaranteed lifetime income. But what are the downsides in comparison to the Flexi Access drawdown scheme?

We will compare the income and death benefit implications and explain the potential advantages and disadvantages of both options.

Setting up a Workplace Pension Scheme for your staff

If you are a 'small' employer (probably with less than 10 employees) and you need to comply with your Workplace Pension scheme obligations we offer a simple web based solution that your employees will love but will minimise your costs as an employer.

If you are a larger employer and want a wider range of investment options we can tailor the scheme to the individual needs of your directors, managers and staff.