Passing on your wealth to future generations
Estate planning ensures your wealth is passed on according to your wishes, with minimal tax and complexity. At The Penny Group, we help you structure your estate to protect your loved ones and secure your legacy.
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We will review your assets, advise on wills and trusts, and highlight strategies to minimise inheritance tax. We also coordinate with legal and tax professionals to make sure every detail is handled.
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Estate planning is for anyone who wants clarity over what happens to their wealth and peace of mind for their loved ones. It is particularly important if you have property, investments, business interests, or wish to pass assets on tax-efficiently.
The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.
For specialist tax advice, please refer to an accountant or tax specialist.
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.
Will writing and trusts are not regulated by the Financial Conduct Authority. Will writing is a referral service.
Estate planning is especially relevant when:
Reviewing plans at each stage ensures they remain appropriate.
Estate planning works closely with financial planning, investment management, pensions, and retirement planning. By aligning these areas, we help ensure wealth is built, accessed, and ultimately passed on in the most effective way.
A will outlines how your assets are distributed after death. A trust allows assets to be managed and passed on more flexibly, often with tax advantages.
There are several options available, including but not limited to lifetime gifting, using allowances, charitable donations, and certain trust arrangements. The key is to get advice on which options are best suited to your circumstances.
Yes. Even modest estates benefit from planning to avoid delays, disputes, or unnecessary costs for your loved ones.
Yes. Business succession planning ensures your company is transferred smoothly and tax-efficiently to the next generation.
At least every 5 years, or sooner after major life events such as marriage, divorce, or the birth of children.
Yes. You can structure gifts to reduce inheritance tax while supporting causes important to you.
Our expert team is on hand to help with your estate planning
The difference we make, told by the people we help every day
