Real plans. Real numbers.
Here's what planning-first looks like.
Illustrative case studies — client details anonymised, figures indicative.John. 42. 996. Done.
The problem
A senior tech employee approaching an IPO. Years of long hours had built a large, concentrated stake — but almost everything was locked up in a single company, with a liquidity event looming and no plan for what came after.
What we did
We structured the whole event, pre and post. Tax planning ahead of the exit, a diversification strategy for the proceeds, and a clear roadmap for turning one windfall into lasting, spread-out wealth.
The outcome
A plan means you don't need the next million. You've already won.
Two countries. One plan. Zero inheritance tax.
The problem
Mrs CF, a US citizen living in the UK, held an estate of roughly £870k and faced an inheritance tax exposure of £1.97m — the kind of cross-border trap that catches people between two tax systems.
What we did
We used double-taxation treaty planning to remove the US tax charge entirely, then placed a £1.97m life policy in trust to cover the UK liability. Alongside that, non-dom remittance planning and a £380k ISA transfer put the wider position on solid ground.
The outcome
$0 US tax and the full £1.97m exposure covered. Complex doesn't have to mean costly. We find the plan others miss.
The early retiree.
The problem
Nick, 57, and Dee, 55, wanted to retire early. On paper it looked possible — but their existing plan gave them only a 31% chance of it actually lasting.
What we did
Over 18 months we rebuilt the plan around them: detailed cashflow modelling, consolidation of scattered pots, and a drawdown sequencing strategy designed to make the money last.
The outcome
Their probability of success rose from 31% to 86%. We don't fit you into a solution. We build one around you. Wealth management done right.