Bereavement

Guidance and support for people dealing with bereavement

Sensitivity and support
Financial education
Navigate inheritance tax

Death is something we all face sooner or later but it’s inevitability doesn’t make it any easier to deal with. We’re here to help you tackle some of the financial implications so you can move towards a fulfilling future.

 

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Five of the most common concerns for those dealing with bereavement

ISSUE 1
Will I be ok financially on my own?
Our goal as your financial planner is for you to be able to answer this question with a resounding yes. We'll work with you to understand all of the elements of your new financial landscape then use sophisticated cash flow tools to forecast your current position and predict your financial future. We can model different scenarios which reflect different decisions you might be weighing up. We can take responsibility for the ongoing management of your investments, pensions and retirement strategy so that you can get on building your new fulfilling future.
ISSUE 2
Dealing with finances scares me!
It's really common that one partner takes care of the finances so the prospect of doing it yourself can be daunting. We can support you through this transition and help you regain a feeling of control. If necessary we can literally sift through your paperwork in order to produce a crucial schedule of assets if you don't already have one. We'll write to all the providers on your behalf and get up to date information, putting us in a position to make decisions about what to do with existing assets. With our advice, guidance and support, you'll feel confident and capable of taking any necessary action.
ISSUE 3
Do I have to keep my late partner's financial advisor?
Their advisor may have be great, but no, not if you don't want to. Client agreements typically cease on death so you are free to work with whomever you choose. What is really important, with any of your professional advisors, be they legal, accounting or financial is that there is genuine connection, affinity and trust. Your relationship with your advisor could be life-long and the matters in question can be deeply personal, so it pays to do your homework, shop around and decide for yourself.
ISSUE 4
I am about to inherit, help!
Emotionally, inheritance can be complicated. We can simplify the financial components. We'll help you pinpoint what you might want to do with the inheritance, which will depend greatly on your own financial situation. For some that might mean you buying a house or some other significant purchase. For others it might mean you passing on the inheritance to your own children, necessitating a deed of variation. Or it could mean maximising your pension to get extra tax relief. Whatever it is, we will work with you to formulate a strategy that makes the most of your inheritance.
ISSUE 5
I'm confused about Inheritance Tax.
Inheritance Tax is a complex political football that gets kicked around regularly so is always liable to change. We can help you understand how Inheritance Tax affects you and what can be done about it. This may involve working with lawyers to posthumously change the terms of the will, in order to make better use of the available allowances and reduce any future tax liability.

Download and complete our zero-cost financial affairs overview template

Ensure your loved ones have the vital information they need, ready for when they need it most
“Life is far too short. All we can really do is foster appreciation and try to make it all mean something”
Stephen
Cofounder and COO

Your next steps

What happens when you contact us?

1

Step 1

Listen

We chat, initially on the phone and then either face to face, or via Teams or Zoom.

It’s our chance to get to know each other and decide whether we’re a good fit.

2

Step 2

Understand

Using cutting edge technology, you’ll get a visual representation of your current financial landscape and future plans.

3

Step 3

Strategise

You get a bespoke financial strategy which mitigates any problems and optimises your financial future.

We plan to secure a solid financial foundation enabling you to build the life you want.

4

Step 4

Execution

Implementation of the strategy, using a raft of possible tactics. We’ll look after everything, giving you complete peace of mind over your financial plan, so you can get on with living.

FAQ

Your questions answered

We’re here to help with any questions or doubts you might have. If you have a question that isn’t answered here, reach out to us via phone, email or WhatsApp and we’ll gladly answer.
I am an executor of an estate, how you can you help me?
We can help, guide and support you to value and distribute the estate and pay any liabilities. We can make any claims on your behalf for life insurances and help to wrap up your responsibilities as quickly and painlessly as possible.
I've inherited a lump sum, do I really need financial planning?
Maybe, maybe not. It depends on the amount in question, the source of the inheritance and the tax liability. Give us a call and some details and within around ten minutes of an initial chat you'll have your answer.
Can my lawyer deal with all this stuff?
There is a bit of crossover between legal and financial support at times of bereavement. Solicitors can help with probate, to get the estate distributed and pay liabilities.

We are happy to assist you if you decide to manage probate yourself. However, we see ourselves as more forward looking, setting out and implementing a financial plan, projecting you towards a future that feels bright and interesting.
How do you charge?
Our fees are based on the complexity of your situation and the scope of work we agree. We undertake a fair value assessment before engaging with a new client. Our fair value guarantee means that our fees will always be fair, proportionate and offer excellent value or we won't work with you.
“You never know how strong you are until being strong is the only option.”
Bob Marley

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