Preserving wealth

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Every client’s situation will be unique, however, there are a number of areas we will need to look at to protect your hard earned assets.
Areas we will look at include a well written Will, understanding any Tax liabilities such as Inheritance Tax.


We help our clients through the process using a series of family workshops and consultations. By including your children in the process they become aware how wealth can be distributed and retained down the generations.

Analysis & research

If you decide you wish to continue with the advice process, we will conduct a comprehensive review of your existing arrangements in line with your stated objectives. This may mean contacting existing product providers to establish the exact type of plan you have, its benefits, costs and objectives.

Recommendation & implementation

After completing thorough research, we will meet again to discuss our recommendations to support your current and future objectives.

Will writing involves the referral to a service that is separate and distinct to those offered by St. James’s Place. Wills are not regulated by the Financial Conduct Authority.

Preserving wealth services

At retirement

Liberty’s expert advice will help you make the most of your retirement plans so you can enjoy a care-free retirement. New flexible rules mean you can access the money in a variety of ways, and we will advise on the most tax-efficient method for you. We can also show you how to pass funds on to family members, helping you with potential Inheritance Tax issues along the way.

Tax planning

Effective tax planning is important to the management of your wealth. From tax-efficient savings wrappers to pension planning, we help you understand the tax reliefs available to you and ensure you make the most of them. If you have more than one property, you’ll need to think about Capital Gains tax, and your Liberty adviser can help you through that as well.


The 2020 pandemic has shown the importance of protecting you and your family from financial loss and hardship. If ill health or job loss strike, what income will you have? There are a variety of plans that protect against long term unemployment, disability and critical illness, and we can help you choose the right one. And if you’re worried about Inheritance Tax there’s also a plan to protect your estate from that – just ask your adviser.

Long-term care

The cost of long-term care in older age is a significant worry for many families. Effective financial planning can enable you to independently meet the cost of ongoing care, and retain the freedom to make choices about your health, medical treatment and where you live. Liberty can help you do this in the most tax-efficient way with an eye to retaining as much of your wealth as possible to pass down to the next generation.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.

April and Bill Goudie
“Lee has always given us sound advice on our investments and has delivered on our retirement finance expectations thus far. He is welcomed into our home for meetings as a friend and is always interested in us and the things we've been doing. Lee now also helps one of our friends, and Lauren, his daughter, acts for our son. We would recommend this friendly, professional, family run company to anyone.”
Kirstin and Mark Ayres
“Chris has given us invaluable help with our pension and retirement planning. He is very professional and hugely knowledgeable. We are confident that our finances and retirement plans are in good hands and are on track.”
Past performance is not indicative of future performance.


Transferring wealth

Depending on your financial situation it maybe that you want to pass money over to your Children or grandchildren in your lifetime to help with School fees, getting them onto the property ladder or just helping with a significant purchase such as a car or family holiday.

Other services

We either have the expertise or access to specialists who can advise you on a wide range of other wealth management services, ranging from writing wills and tax advice and legal services to advice on portfolio management services, specialist insurance and corporate lending.

Acquiring wealth

Depending on your age and life-stage, creating wealth can mean different things, however the sooner you start saving the better. You may want to pass money onto your children or even start a savings plan for a grandchild, it is never too soon to start tucking a little away.

Family succession services

Our experience has shown that transferring wealth from one generation to the next can be a rewarding undertaking if it is well thought through and strategically undertaken. Liberty Next is well versed in the challenges that go hand-in-hand with wealth succession.

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We'd love to talk to you about our services and how we might help.

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