About Maximum Inheritance
You want your money where it would do the most good; in your family
You and your spouse (or partner) have assets worth between one and six million pounds.
You’ve worked hard; you’ve made sacrifices
Some heroic, some spectacular and some, we’d rather not talk about.
You haven’t done all that work just to throw it away. Rather, you want your wealth as a foundation from which future generations can build lives of which you’d all be proud.
You want your family, and they alone enjoy the fruit of your life’s work – no departing children-in-law, no long-lost relatives, no girls and boys from the Revenue.
Why wait till you died before your family enjoyed your wealth? Reasons not to wait include taxation – inheritance tax, capital gains tax and income tax.
Let’s keep your money in your family
You want your money where it would do the most good, I can help you keep your money in your family.
As an estate planner and inheritance tax specialist I help you spell out and control of the who, the what and when of your inheritance.
As a proud sole practitioner, I only take on a handful of cases a month so that like you, I can invest the care, diligence and attention to keep your money in your family.
In my extensive inheritance tax experience, I have witnessed the ills that could injure your family’s future financial well-being. I can see round corners, I can see possible problems, so I can help you grind them to dust before they germinate.
How I work
For want of a less hackneyed phrase: he who fails to plan, plans to fail.
We want to keep your money in your family, therefore, we shall start with a plan – a plan based on your financial circumstances and your ambitions for your family’s financial future.
Your estate planning and your inheritance tax planning must be unique to your circumstances; therefore, we’ll start with a blank sheet of paper.
Every family is unique. I’ve seen thousands of clients with their own facts and circumstances: what’s special is not the facts but the way they interact with one another, and the clients’ emotional circumstances making each assignment one of a kind.
Your circumstances are unique, therefore, you’ll require a unique plan. Think of it like applying the correct tools from a large toolbox.
Your plan would press the rules, allowances and exceptions in inheritance tax planning and practice to situation your and ambitions.
I’ll show you how to avoid the common pitfalls that turn a Rolls Royce to a Mini – and how to avoid those pitfalls.
When we implement your plan, you’ll be confident your money would stay in your family.
Let’s keep your money in your family, let’s transmit your wealth down the generations, let’s keep your money in your family forever – that, after all is how the rich stay rich.
Case study: Alice
In sum, do you care? Do you care who inherits your wealth?
In the long ago, in the days only farmers drove Range Rovers, I was a general financial adviser. I had a client, Alice who had income from two sources: her day job from which she earned a fine wage, and income from an inherited asset. She had been a beneficiary of a well-planned inheritance.
A writer of the Bloomsbury Set had left the rights to one work in her will to Alice’s mother, in the fulness of time, Alice got the rights to the work and the accompanying income – my memory being hardly what it was, I couldn’t tell you of which book we speak, nonetheless, in a bad year, Alice got £30,000 from the rights to this one book back then, £30,000 was a lot of money.
I obviously wasn’t around draw up the inheritance plans of any of the Bloomsbury Set, I was still in prep school when the last of them died.
Alice, because she’d had her basic needs met, because she didn’t have to worry about money, because she was financially secure, was able to do a job she found fulfilling and rewarding: teaching.
In this client visit, I saw the effect of a well-planned estate, thus I set a course to concentrate on estate planning to the exclusion of all else.
Frequently Asked Questions
Who is your typical client?
You are someone with self-respect – you recognise your duty to future generations of your family to lay the foundations of intergenerational wealth: you are part of a couple who have assets between one million pounds and wish to keep as much of money as the law allows.
You understand the value of the effort, training and experience that goes into using the provisions of the law to keep your money in your family: you understand the effect of the planning on your family’s financial future therefore does not quibble over the cost of the Three-Step-Plan or ask for special terms.
How are you different?
At this stage of my career, I’m working for joy, for pride. I take only a handful of cases a month. I only work with people who my experience tells me I can help.
Just like in your own job, your experience tells you the range of possible outcomes when you take on a new assignment.
I start every case with a blank sheet of paper: no forms, no templates, no cut and paste.
I know you are person of self-respect – which means you would not work for no fee, which means you would not trust your family’s future to someone who respects themselves so slightly as work for nothing.
I’ve been an estate planner since I left university nearly four decades ago: I have witnessed the harms that can ensnare your estate. I can see round corners and, therefore can employ tried and tested tools to prevent such harms.
You’re reading this, it means you’re ready to talk to me: part of my advice to you would be on the best way to fix those things you have in mind.
Can we meet first? This is a big decision and I'd like to get a feel for how we'd work together.
The three-step plan is less than the cost of your phone: how big a decision is it?
One of the several reasons I publish so much free material is for you to understand my approach and what it is like to work with me.
May I contact your previous clients as references?
Long ago, when only farmers drove Range Rovers, I offered an ask anyone guarantee. It was a programme by which any prospective client who requested it was supplied the names of up to six clients to whom they could speak to about their experience of working with me.
I stopped this because my clients have their own businesses, they are not in the business of giving advice. To the extent there was merit in asking someone how they got on with me, their situation wouldn’t be identical to yours, so, what’s the point?
In the spirit of client confidentiality in which I hold everyone, would you wish to discuss your family’s financial affairs with a stranger?
What are your payment terms?
All services are pre-paid and non-refundable.
Keep your money in your family
Get your free copy of the No-nonsense Guide to Keeping Your Money in Your Family: you’ll also get witty and informative articles and essays on keeping your money in your family. It’s packed with illustrations you can understand and relate to.