Bower Wealth delivers one-to-one legacy planning advice and support. Helping you to look after your loved ones in the future.
Quality tailored advice, made bespoke to you and your needs.
Bower Wealth is part of the Bower Group. With quality advice assured.
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However your wealth is stored and spread, we can advise you on how to best ensure it is passed on to your loved ones in the future, while guaranteeing your own financial security today. As part of our legacy planning service, we will carry out a comprehensive process to review the control of your assets during your lifetime. We will also discuss the full range of inheritance tax solutions available to protect your future generations. Our legacy planning advisers can also identify what you wish to leave behind, explore how you want to live your life now, and put a plan in place to ensure both objectives are met.
We are acutely aware that the thought of talking about your legacy sounds somewhat gloomy. But in our experience, openly discussing how to put in place a plan to help look after your loved ones, can actually be quite liberating.
You know how important it is to look after your loved ones right now.
But when you start thinking about how you are going to do this when you are no longer around, then it becomes important to organise your affairs so you can look after them the way you want to.
This is precisely where Bower Wealth can support you.
Entrusting your estate to a company is a decision we do not take lightly. We want to make sure you have the utmost confidence in us and what we do before we proceed.
Legacy planning is about more than simply looking after your beneficiaries. It is also about you. The holistic approach we take helps to ensure your goals and aspirations are understood, as well as those of your loved ones.
We will review all the data and draw up a bespoke plan. The recommendations shared by our legacy planning advisers will give you the confidence to live your best life, safe in the knowledge that your loved ones will be looked after later on.
Your plan will then be represented to you. Together, we will go through each of our suggestions in greater detail, explaining why we think they are in your best interests.
Then we will carry out our agreed plan to the letter, and take away the hassle by contacting third parties on your behalf. Our team will also give you regular updates so you’re always informed of any developments.
Your plan may evolve, so we will regularly review it and keep you up-to-date at all times. We will also be available whenever you need us to make changes to your plan, as and when you require.
Let us help you reach your financial goals. Request a call back now.
The service we received was very good. Vanessa who was our original contact is a very lovely lady ...
Very good, excellent service.
Very helpful and informative. Covered all the issues in depth. Assisted in the process from ...
James was very professional and helpful all the way through the whole process. Could not fault ...
Excellent, John Milner couldn’t have been more helpful. Thank you very much!
Exellent service from start to finish. Every step was thoroughly explained and we were kept ...
Great service from Bower and especially John Milner who saw us through the process in a ver ...
Quick, efficient & honest service… Everything was done on schedule or quicker.
Seamless. Very helpful and informative.
Ben was clear and precise. The whole procedure was easy to follow. A big thankyou to Ben
Essentially, the service is friendly, effective and efficient. Our liaison consultant, John ...
Great experience with John Milner--he explained every part of the process in an easy to understand ...
Ben was thorough, efficient, polite and friendly .
Bower's team all performed very well. I was kept up to date with every move involving my financial ...
From start to finish, our dealings with Maxine were excellent. We found her very professional, ...
Excellent service. John Milner was brilliant and very helpful and understanding.
Andrew Card was most helpful during a stressful period and was very reassuring and able to explain ...
Very informative and very helpful every step of the way.Shiela was very friendly and answered all ...
Really positive and pro-active. Tracy Elspass-Collins dealt with our requirements in a very ...
They were very thorough and explained everything in layman’s terms and I didn’t feel pressured ...
By providing you with a tailored inheritance plan, we will help you feel – with complete confidence – that you have put everything in place to look after those who matter most to you.
Firstly, you should ask yourself whether you need to at all. There is a nil-rate band that will allow you to pass on your wealth without paying inheritance tax. There are also rules that allow you to give away some of your assets without incurring a tax bill. As these amounts are subject to change, it’s always better to discuss your options in our initial meeting.
Although a life insurance payout is not taxed, if it forms part of your estate, it will become subject to inheritance tax.
You can ring fence aspects of your estate (such as your life insurance policy) in a trust. Once it is in a trust, managed by a trustee and outside of your estate, it no longer forms part of your inheritance tax liability.
This is a difficult one to answer as it depends on what you have, how you want to live your life and what you wish to leave behind as your legacy. We normally work backwards from your goals, but it’s important to point out there may be compromises you will need to make along the way.
The government allows everyone an amount they can have in their estate without having to pay any inheritance tax at all. This is called the nil-rate band and is worked out by grouping your accumulated wealth together.
The answer to this question will form part of our later discussions. Firstly, we will need to finalise what you want to achieve in your life, compared to what you have now and what you wish to give away later.
Before undertaking any work on your behalf, we will always inform you in writing of the cost. You will then be free to decide whether you wish to instruct us. Our fee structure will be dependent on the complexity of your situation and the work you wish us to undertake. Initial meetings are offered at our expense and without obligation. Please ask for a copy of our Client Agreement which contains details of our typical fees.
Investment involves risk. The value of investments and the income from them can go down as well as up and you may not get back the amount originally invested. Past performance is not a guide to the future. The value of current tax benefits is subject to change.
Bower Wealth is a trading style of Bower Retirement Limited which is authorised and regulated by the Financial Conduct Authority. Financial Services Register Number: 451607.
Bower Retirement Limited is registered in England and Wales number 5788110.
Registered office: Bower, Ongar Business Centre, The Gables, Fyfield Road, Ongar, CM5 0GA.
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020 3824 6070
