Insights
Considered guidance for family wealth and succession
How wills, trusts and estate arrangements commonly work, what they cannot be relied on to do, and the questions worth asking a specialist before anything is signed. Protection and business guidance sits alongside them.
Wills & Estates
7 min readLife insurance and Inheritance Tax: what families should considerWhy a payout into an estate can behave differently from one paid to trustees, and what that means in practice.Read more6 min readWills and trusts: understanding the different rolesTwo documents doing two different jobs — what each one actually controls, how they work together, and why having one does not remove the need for the other.Read more5 min readWhy Lasting Powers of Attorney matterThe document most families wish they had made earlier, and what happens without one.Read more
Trusts & Legacy
6 min readShould life insurance be written in trust?What placing a policy in trust may achieve, what it does not achieve, and the questions to ask first.Read more6 min readProtecting a blended family's legacyWhy mirror wills can leave a first family with nothing, and what tends to be considered instead where two sets of children are involved.Read more
Business Protection
7 min readRelevant life cover for company directors, explainedWhat a relevant life policy is, how it is usually arranged, and a simplified way to compare funding it personally with funding it through a company.Read more6 min readWhat is shareholder protection?How owners fund the purchase of a departing shareholder's holding, and why the agreement matters as much as the cover.Read more5 min readWhat happens to a business when a shareholder dies?A practical sequence of events, and the points at which planning changes the outcome.Read more
Life & Protection
6 min readHow much life insurance might a family need?A practical way to arrive at a figure, starting with what a household would actually have to pay for.Read more5 min readLevel, decreasing and whole-of-life cover explainedThree shapes of life cover, what each is designed for, and where each tends to fall short.Read more
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