Safeguard Your Inheritance with WBW Chartered Financial Planners
- Independent Estate Planning Specialists
- Free Initial Consultation
- Fixed Fees – Know what the costs are
- We Work with WBW Solicitors for a joined up approach
Areas of Inheritance Tax
What is Inheritance Tax?
Inheritance Tax (IHT) is a tax levied on the estate of a deceased person. It is calculated on the total value of the person’s assets. The tax must be paid to HMRC before assets are transferred to beneficiaries.
How Does It Work?
The tax rate is charged at 40%, applied to assests exceeding the available allowances. In addition, money given away during certain periods before death can also be added to the value of the estate.
Married couples and civil partners can transfer assets to each other without triggering IHT. This means IHT is often only charged when the last survivor in a couple passes away. Current thresholds can allow for up to £1 million of assets to pass to beneficiaries without IHT, given the right conditions.
Why You Need a Financial Planner to Advise You
IHT is a complex tax which includes complex allowances that require certain conditions to be met. Navigating the complexities of IHT requires expert knowledge. A financial planner can provide invaluable guidance, ensuring you make the most of available allowances and reliefs, and avoid costly mistakes.
Navigating Inheritance Strategies
Tailored Inheritance Strategies
We take the time to understand your goals and our approach is customised to your unique situation. We develop bespoke financial plans that cater to your specific needs, helping you to protect your financial security while minimising tax liabilities.
Reliable Expertise, Exceptional Service
With decades of experience in inheritance planning and specialist qualifications, our team at WBW Chartered Financial Planners has the expertise to navigate even the most complex financial landscapes. Trust us to provide informed guidance every step of the way.
Making the Right Move
Choosing the right inheritance strategy can be daunting. Our comprehensive support services include tax optimisation, estate planning, investment advice, and wealth management. We offer appointments face-to-face at home, at one of our 13 offices, or remotely.
About Us
What we do
At WBW Chartered Financial Planners, we specialise in safeguarding and growing your inheritance. Our personalised strategies are designed to meet your unique financial needs.
Where we are based
We have 13 offices across the Southwest, ensuring we are accessible wherever you are in Devon, Cornwall and Somerset. Our team is ready to assist you, whether in person or remotely.
Contact us to discuss your case
Take the first step towards securing your financial future. Contact us today for a free initial discussion.
Why Choose WBW Chartered Financial Planners?
Expert Advisors
- You’re not just a number but a valued client with WBW.
- WBW Chartered Financial Planners are independent and specialist in estate planning.
- We work closely with our colleagues at WBW Solicitors to ensure that you get the joined approach in-house.
Free Initial Discussion
- We take the time to understand your goals and explain how we can help.
- We are pleased to offer any prospective client an exploratory discussion without charge.
- Our expert team is here to guide you through every step, ensuring that your financial future is secure and your loved ones’ legacies are honoured
Comprehensive Support Services
- Bespoke financial plans to maximise your inheritance.
- Unlike other firms, we prioritise personalised service, transparency, and long-term relationships.
- We offer a full suite of services designed to protect and grow your inheritance, from tax optimisation and estate planning to investment advice and wealth management.
Our Team
Chris Hill
Director – WBW Chartered Financial Planner
Chris started his career in financial services in 2007 with Hargreaves Lansdown in Bristol before moving to Devon in 2012. Chris is one of few advisers qualified and practising as a Chartered Financial Planner, Certified Financial Planner and Trust and Estate Practitioner, giving him a large remit of expertise.
Ian Avery
Chartered Financial Planner – WBW Chartered Financial Planner
Ian has three decades’ experience of corporate pension schemes, executive arrangements, personal plans and pension transfers is invaluable. Ian has established strong, lasting relationships with clients and their families, providing financial guidance and education through the generations.
Matthew Dixey
Chartered Financial Planner – WBW Chartered Financial Planner
Matthew has worked in financial services for over 12 years, gaining a wealth of experience in the industry.
He can provide advice in a range of areas including:
- General Practitioner
- Tax Efficient Investing
- Retirement Planning & At Retirement
- Business Owners & Professionals
Case Study
Mr and Mrs M had an estate valued at £2,000,000 and an inheritance tax liability of £400,000. Through the use of gifting allowances, setting up a trust and some insurance, we were able to manage their IHT liability so that their beneficiaries would receive the full value of their estate when they passed away.
Free exploratory discussion
Call now on 01626 242500
or fill in the contact form and a member of our expert friendly team will call you back and discuss your requirements.
- Independent Inheritance Specialists
- Free Inital Consultation
- Fixed Fees – Know what the costs are
FREE exploratory meeting
Get the advice and assistance you deserve.
What Our Clients Say
Chris Hill was very patient with us in explaining details that were no doubt simple to him but complex to us.
The information contained within this article is for guidance only and does not constitute advice which should be sought before taking any action or inaction. The information is based on our understanding of legislation, whether proposed or in force, and market practice at the time of writing. Levels, bases and reliefs from taxation may be subject to change.
The Financial Conduct Authority does not regulate taxation advice, estate planning, inheritance tax planning, wills or trusts.
