Notes, case studies and perspectives from the team on the moments that reshape a financial life: business sales, liquidity events and the transition of wealth to the next generation.
The 2022 regime shift did more than lift yields. It forced a quieter reckoning: after a decade of nominal thinking, clients want their plans re-expressed in real terms.
The most valuable planning for a business owner often has to happen before the sale completes. Once the deal is done, several doors quietly close.
An annual review should not be a performance update with biscuits. Done well, it is the one meeting a year where the whole plan is re-tested against your life.
Most families with significant wealth have never seen all of it on a single page. That absence is not a reporting problem. It is a decision- making problem.
For senior earners, the band between £100,000 and £125,140 is one of the most punishing in the UK tax system. A little sequencing goes a long way.
Giving wealth away well is harder than it looks. The rules reward those who start early, keep records, and think about the recipient as much as the tax.
When a large share of your wealth is tied to a single employer, in salary, bonus, options and pension, a bad year can arrive on several fronts at once.
A founder came to us three months before completion with a lawyer, a tax adviser, a broker and an accountant already in place. What was missing was a conductor.
Cash building up inside a company is a good problem to have, and an easy one to leave unattended. The question is what it should be doing.
Completion day is not the end of the sale. It is the start of a short window in which a handful of early choices quietly set the trajectory for the next twenty years.
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