Protecting Your Wealth
Building wealth takes years. Protecting it takes an afternoon. Here is what you need to know.
Most people spend years learning how to invest. Very few spend any time thinking about what happens to that wealth if something goes wrong, whether that is an unexpected death, a loss of mental capacity, or simply not having the right paperwork in place.
This section covers the practical steps that sit alongside your investment strategy: making sure your wealth goes to the right people, that your family is protected if you cannot work, and that you understand the basics of how tax interacts with what you leave behind.
None of this is financial advice. For anything specific to your situation, you should speak to a qualified solicitor or independent financial adviser. But understanding the basics before you have those conversations will save you time, money, and stress.
This section covers general information about financial and legal protection. It is not financial or legal advice. Tax rules and legislation change. Always consult a qualified solicitor, financial adviser, or both before making decisions based on your personal circumstances.
Wills and Lasting Power of Attorney
What happens to your estate without a will, what an LPA covers, and how to put both in place.
Pension and Life Insurance Beneficiaries
Your pension probably does not pass through your will. Here is how beneficiary nominations work and why they matter.
Life Insurance and Income Protection
The difference between life cover, critical illness, and income protection, and how to think about whether you need them.
Inheritance Tax Basics
The thresholds, the exemptions, and how your ISA, pension, and other assets are treated differently.