High Net Worth
Financial Planning
High net worth financial planning involves structuring complex wealth to mitigate tax liabilities, protect assets, and enable efficient generational transfer. It moves beyond standard retail products to utilise trusts, bespoke investment mandates, and specialist tax wrappers tailored to significant estates.
What We Address
Which wealth decisions need to be coordinated?
Managing complex, multi-asset investment portfolios across different wrappers
Mitigating inheritance tax liabilities on significant estates
Structuring trusts to protect and pass on wealth across generations
Extracting value from property portfolios tax-efficiently
Coordinating advice across legal, tax, and financial disciplines
Maintaining confidentiality and discretion at every stage
How We Help
How does coordinated financial planning work?
Sophisticated Investment Planning
We assess how existing holdings, wrappers, mandates, liquidity, and tax positions work together. This may include Discretionary Fund Management (DFM) or Self-Invested Personal Pensions (SIPP), where eligibility and suitability depend on individual circumstances and tax treatment may change.
Inheritance Tax & Estate Planning
We model potential estate liabilities, test the effect of gifting and ownership choices, and coordinate recommendations with solicitors and tax advisers. Outcomes depend on personal circumstances, legislation, asset values, and the need to retain financial security.
Trust & Intergenerational Planning
Trusts may help families define control, access, and succession over time. Their legal and tax effects depend on the structure, trustees, beneficiaries, assets, and timing, so regulated financial planning must be coordinated with legal and tax advice.
Specialist Tax Wrappers
Where mainstream allowances do not meet the planning need, we can assess Venture Capital Trusts (VCT), Enterprise Investment Schemes (EIS), and offshore bonds. Eligibility and suitability depend on individual circumstances. Tax treatment depends on personal circumstances and may change.
Important risk and tax information
The value of investments and any income from them can fall as well as rise. You may not get back the full amount invested. Past performance is not a reliable indicator of future results.
Please note that eligibility and suitability for specific wrappers such as Venture Capital Trusts (VCT), Enterprise Investment Schemes (EIS), offshore bonds, Self-Invested Personal Pensions (SIPP), or Discretionary Fund Management (DFM) depend entirely on individual circumstances. Tax treatment depends on personal circumstances and may change in the future.
Which specialist planning topics should you consider?
Explore our detailed guides covering specific areas of high net worth financial planning, asset protection, and tax structuring.
What do high net worth clients ask us?
What qualifies as a high net worth individual?
There is no single definition for financial planning purposes. The need usually arises when several assets, tax exposures, ownership structures, or family objectives must be coordinated rather than managed separately.
How do trusts help protect family wealth?
Trusts separate legal control from beneficial interests. They may support succession, asset stewardship, and tax planning, but the outcome depends on the trust terms, timing, assets, and family circumstances. Legal and tax advice is normally required.
Are offshore bonds suitable for UK residents?
Offshore bonds can defer some UK tax calculations and offer flexible assignment options. Eligibility and suitability depend on individual circumstances. Tax treatment depends on personal circumstances and may change, so advice must consider residence, investment period, charges, and access needs.
Why use Discretionary Fund Management (DFM)?
Discretionary fund management delegates day-to-day portfolio decisions within an agreed mandate. Eligibility and suitability depend on individual circumstances, costs, tax position, risk capacity, and the level of control the client wishes to retain.
Would a coordinated review help?
We understand that discretion matters. All enquiries are treated in strict confidence. Speak to an adviser about your estate to understand the options available to you.
Investment & Pensions Risk: Capital is at risk. The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested. Past performance is not a reliable indicator of future results.
Regulatory Notice: Estate and inheritance planning is not regulated by the Financial Conduct Authority.