“Don’t let the tax-tail wag the investment dog!”

In helping you attain your goals, which may also require us to meet various objectives along the way, we will fully consider all options available to you at the time of our discussions.  If the level of investment risk required to meet your goal(s) is too high, we will say so and we will not let any tax incentivised arrangements outweigh the investment risk and your ‘capacity-for-loss’ agreed at outset.

Inheritance Tax

This tax applies when you pass away and the value of your estate exceeds £325,000 if you are single or divorced, or £650,000 if you are married or in a civil partnership.  Widows can utilise any unused allowances available from their deceased partner.

Although inheritance tax won’t affect you personally, it could be an extra burden for your loved ones. Do you want to see up to 40% of the wealth you have worked hard to create in your life going to the government as inheritance tax after your death?

Whilst inheritance tax can often be a difficult subject to contemplate, we will guide you through the options available to you.  Any concerns relating to the ‘access and control’ of your assets will be discussed and we will ensure you are given the facts before a fully informed decision can be made.

IHT is not the only concern when developing a strategy.  There are many other taxes that may need to be taken into consideration, such as Capital Gains Tax.

Note: The Financial Conduct Authority does not regulate taxation advice and wills.




My wife and I are now both retired and have relied on Wealthcare for guidance and advice on pensions, our investments and on a wide range of financial issues. We have never been failed and the advice has always been prompt, reliable, professional and, equally as important, explained in non financial jargon thereby making understanding so much simpler.

Mr & Mrs Franks - Individual Clients

Both myself and my business partner Andrew have used Wealthcare for a number of years now and cannot recommend them highly enough. They've arranged plans which protect us in several areas including life insurance, critical injury and key man cover, Stephen also organised for a shareholders' agreement to be put in place for extra peace of mind.

Sizzle Creative Agency Limited

It wasn’t hard to choose Wealthcare from the list of brokers eager to win our business. From the very start, they sought to understand our company’s particular needs and (importantly) how I choose to work. They listen and deliver. Available to discuss any query, they are friendly, easy to communicate with, responsive, and always looking to go the extra mile to meet our expectations. How could I do anything other than heartily recommend this excellent organisation.

Timpson Limited

The Healthcare team have been a pleasure to deal with as they have made the process of sorting out and managing our PMI straightforward and simple. The Claims and Admin staff are very knowledgeable and will always go the extra mile.

Hodgsons Chartered Accountants

Both Michelle and Rachael have been fantastic. Thank you from the bottom of my heart. I will always recommend you and your company, you have been nothing but supportive, professional, diligent and great fun.

David Smith, Smith and Jones Management

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