Who we help
Retirement
Retirement is a tax event as much as a life event. How you exit the business, in what order you draw from pensions, ISAs and other savings, and what happens to the estate afterwards — each decision affects the others. 72% of retirees lose valuable assets and significant amounts of life savings due to mismanagement. Almost all of it is avoidable with a plan made early.
A plan for the money that outlasts the business.
What usually goes wrong
The four things we fix most often.
Not exotic problems — ordinary ones, left too long. Each is cheaper to prevent than to correct.
Exiting the business
Sale, succession or winding up — each carries a very different tax outcome. Business Asset Disposal Relief has conditions that must be met well in advance.
The order you draw income
Pension, ISA, dividends and capital each sit in a different tax wrapper. The sequence you use can change the lifetime tax bill materially.
Inheritance tax
The nil-rate bands, the residence band, gifting rules and business property relief all need looking at together and reviewing as circumstances change.
Records and administration
Estates are far harder to settle when the paperwork is scattered. Getting it organised is a kindness to whoever deals with it.
What we provide
The full scope for retirement.
The outcome
A written plan covering the exit, the income and the estate — reviewed annually, and understood by the people it affects.
The services behind it
What that looks like in practice.
These are the individual engagements we would normally put in place. Take them together or one at a time.
Not quite you?
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Let's talk about retirement.
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