Put financial and family arrangements in step
Coordinate the financial side of legacy planning with appropriate legal advice, keeping control, resilience and family intentions at the centre.
A well-organised estate plan reduces uncertainty for you as well as for the people who may one day administer it.
The financial review records assets, ownership and beneficiary arrangements, then considers whether they reflect current wishes. It also highlights where wills, powers of attorney or trust documentation may need attention from a solicitor.
Lifetime security comes first. Gifting, insurance and succession choices are assessed against future spending needs, care contingencies and family circumstances rather than considered only through a tax lens.
How we help with estate planning
Structure your assets to pass to the next generation efficiently. We help you balance your own security with providing for your children and grandchildren.
Wealth Transfer Planning
With IHT at 40% on estates above the threshold, planning is essential. We use gifting, trusts, business relief, and pension strategies to reduce your liability.
Inheritance Tax Planning
Trusts can protect assets, provide for vulnerable beneficiaries, and reduce IHT. We help you understand which structures suit your family circumstances.
Trust Planning
Estate planning strategies
We use a range of approaches depending on your circumstances, goals, and family situation.
Lifetime Gifting
Use annual exemptions, potentially exempt transfers, and gifts from surplus income to reduce your estate systematically over time.
Trust Structures
Discretionary trusts, bare trusts, and life interest trusts each serve different purposes. We match the right structure to your goals.
Pension Planning
Pensions are typically outside your estate for IHT. We help you preserve pension wealth and pass it to beneficiaries tax-efficiently.
Life Insurance
Whole-of-life policies written in trust can provide funds to pay IHT, ensuring your family doesn't have to sell assets to meet the tax bill.
Business Relief
Certain business assets qualify for 100% IHT relief. We identify opportunities and help you invest in qualifying assets where appropriate.
Property Planning
For many families, the home is the largest asset. We help you understand options including downsizing, equity release, and residence relief.
Start planning your legacy
The first step is a conversation. We'll discuss your situation, your concerns, and what matters most to you and your family.
Frequently asked questions
When should I start estate planning?
The sooner the better. Many IHT strategies take years to become fully effective - gifts need 7 years to fall out of your estate completely. Starting early gives you more options and potentially greater tax savings.
Do I need to give away my assets?
Not necessarily. Estate planning isn't just about giving things away - it's about structuring your affairs efficiently. You can reduce IHT through pensions, life insurance, trusts, and careful use of exemptions while maintaining security and control.
What about my home?
Your main residence often represents the largest part of your estate. Options include the residence nil-rate band (up to £175,000 extra IHT threshold), downsizing, or equity release. We help you understand the implications of each approach.
How do you work with my solicitor?
Estate planning requires coordination between financial planning and legal structures. We work closely with solicitors to ensure your will, trusts, and financial arrangements all work together coherently.
Talk through your estate planning priorities
We work with families across Norwich and the wider Norfolk area. Meetings can be held at our office or online.
rockwealth Norwich IFA
St Georges Works, 51 Colegate, Norwich, NR3 1DD
Putting the subject in context
How this service fits your wider plan
Estate planning is about continuity: who can make decisions if you cannot, how assets should be administered and how family intentions can be reflected across legal and financial arrangements.
For location-led support, see inheritance and estate tax advice in Norwich. The financial elements can connect with Norwich financial planning, pension planning in Norwich and Norwich tax advice.
Visit rockwealth Norwich for the complete service overview. We also work alongside legal and tax professionals where their specialist input is required.
Start with the question that is on your mind
You do not need to arrive with everything organised. Tell us what has changed, what feels uncertain or what you want life to look like next. We will explain whether our Norwich team can help and what the next step would involve.
