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At what net worth do I need a wealth manager?

At what level of net worth do I need a wealth manager? The question, “At what net worth do I need a wealth manager?” is common among individuals assessing their financial planning needs. The answer is not tied to a specific figure but rather to your requirements, financial situation, and wealth goals. Whether you are […]

What is financial planning?

What is financial planning? Financial planning is more than just budgeting or saving; it’s a comprehensive approach to managing your finances to achieve your life goals. It involves understanding your current financial situation, setting realistic goals, and creating ways to reach them. This guide will explore the concept of financial planning and its importance. Understanding […]

What does a financial adviser do?

What does a financial adviser do? Understanding investment options, retirement plans, and exploring ways to build wealth be daunting. This is where a financial adviser steps in. In this article, we will explore the role of an adviser, focusing on how they assist with retirement planning, manage investment risks, offer advice on savings and investments, […]

Wealth planning for business owners – key insights

Five wealth planning tips for business owners In this article, we focus on wealth planning for business owners and offer 5 key insights on pensions, inheritance tax, protection policies and investments. In the first two sections of this guide, we cover inheritance tax and protecting yourself against life’s unknowns. From there we offer insight into […]

What is the financial planning process?

The financial planning process – a short guide If you want to get to grips with your personal finances, or are looking to the future, this is a handy guide to get you on the right track. In today’s short 3-minute read, we offer insight into the financial planning process. We have written this article […]

Solving the inheritance tax planning puzzle as a family

Solving the IHT planning puzzle as a family Inheritance tax planning can often be uncomfortable to discuss. After all it involves having discussions with our parents about life after they pass and their money and assets. However, when families approach it with openness, they can start the inheritance tax (IHT) planning process early. By talking openly […]

Investment Risk (Video)

At Sterling and Law, we understand the complexities of investment risk and the opportunities it presents. But what is investment risk and how could you make the most out of it? What is considered risky is different from person to person. Some people enjoy skydiving, while others could think of nothing worse. The same is […]

HMRC & inheritance tax: the facts

A guide to HMRC & inheritance tax Inheritance Tax (IHT) is a tax on the estate of someone who has died, including all property, possessions, and money. The management and enforcement of IHT falls under the remit of Majesty’s Revenue and Customs (HMRC). Understanding how HMRC handles IHT is crucial for executors and beneficiaries to […]

Inheritance tax – a comprehensive guide to IHT

A guide to inheritance tax Welcome to our guide to inheritance tax, otherwise referred to as IHT. The intention of this guide is to arm you with the facts, and offer key insights into this highly complex subject. We will provide an explanation of the rules and rates that govern this levy. Additionally, we will […]

Using trusts to reduce or avoid inheritance tax

Introduction: Using trusts to reduce or avoid inheritance tax When we talk about inheritance tax (IHT), trusts can be really helpful in reducing taxes and keeping wealth safe. This article will explore what trusts are, how they can help with inheritance tax, and why experts called financial advisers are important in managing these special money […]