Planning to pass wealth on
You intend to leave something behind, and you want to protect that inheritance from unnecessary tax.
Protecting what you’ve built
Independent, whole-of-market advice on inheritance tax, pensions and investments, for clients in Southport and across the UK. Planning for your lifetime, and for what you pass on.
Choose a time in Fintuity’s secure booking diary. No obligation.
- IndependentWhole of market
- FCA regulatedRef. JXS00972
- 5.0 on Google 20 client reviews
Many of my clients have more than they will need in their lifetime. What matters to them is that what remains is passed on well, rather than lost to inheritance tax or a lack of planning.
I provide independent advice across pensions, investments, inheritance tax and protection, and I look after each plan over the long term, reviewing it as your circumstances and the rules change.
About JohnHow I can help
Independent advice across the areas that matter most: pensions, retirement, investments, protection, estate planning and inheritance tax, including the April 2027 pension changes.
Inheritance tax planning
With IHT at 40% above the nil-rate band, and pension funds set to enter the estate from April 2027, planning early gives you more options.
Legacy planning
Passing wealth on in a considered way, through lifetime gifts, trusts, pension nominations and, where it matters to you, charitable giving.
Estate planning
Help your wealth pass to the people you care about, with wills, trusts and a gifting strategy that work together.
Pensions and retirement
Combine old pensions, plan a tax-efficient retirement income, and make full use of your allowances.
Cashflow planning
See how long your money is likely to last, and what happens if markets fall, you retire early, or care costs hit later in life.
Protection
Life cover, income protection and critical illness cover, reviewed against your needs and sourced from across the whole market.
Clients who plan beyond their own lifetime
My clients come from many walks of life. What they tend to share is a long-term view.
Couples approaching or in retirement
You want to know what you can comfortably spend, and that what remains will pass to your family as efficiently as possible.
Business owners
You are thinking about how the value built up in your company will support you in later life, and how it will eventually pass to the next generation.
The April 2027 problem
Pension funds are due to enter your estate.
From April 2027, most unused pension funds will count toward your estate for inheritance tax purposes. For larger estates, that can mean a 40% tax bill on money your loved ones were always meant to receive. There is still time to plan.
40%Standard IHT rate above your nil-rate band
Apr 2027Pension funds become part of your estate
£325kNil-rate band, frozen since 2009
7 yrsMost gifts fall outside your estate after seven years
Advice that stays with you
Good planning is a long-term exercise. My service is built around ongoing relationships, with your plan kept up to date as your circumstances and the rules change.
- Annual reviewsA regular meeting to check the plan still fits your circumstances and your wishes.
- Ongoing suitability checksYour pensions and investments kept under review throughout the year.
- A heads-up when pension or IHT rules changeSo you know when a change in legislation affects your plan.
- Working alongside your solicitor and accountantSo that your will, any trusts and your financial plan fit together.
Working together
Fees are agreed in writing before any chargeable work begins.
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Getting to know you
An unhurried conversation about your circumstances, your plans and what matters most to you. There is no charge for it.
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Your plan
I research the whole market and set out my recommendations in a clear written report, with the reasoning behind each one. We go through it together.
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Looking after it
Once your plan is in place, I review it with you each year and keep it in step with your circumstances and any changes to the rules.
More detail on your first meeting and on fees.
Client reviews
A selection of reviews left by clients on Google.
“John has looked after our pensions for a couple of years now, and we feel comfortable knowing we’re on the right track going forward. He explains everything clearly, never makes us feel rushed, and we always leave our reviews feeling reassured. We’d have no hesitation recommending him.”
Google review
“John is a first rate adviser. He helped with the transition from a previous provider and provided much needed guidance on how to do that. Since then he has been my financial adviser, always very thorough and always wanting to do the best for his clients and what is in their best interests. No pushy hard sell like some! John is very honest and trustworthy and meticulous in his preparation and research. Would highly recommend”
Google review
“I was dubious about seeking financial advice again following a poor experience. I needn’t have worried as I have found John to be very approachable, professional, patient and understanding of my needs. I have recommended to family and friends without hesitation.”
Google review
Reviews reflect individual clients’ experiences and are not a guide to the outcome you will receive.
Clear advice. Long-term thinking. One point of contact.
I'm an Independent Financial Adviser based in Southport, connected to Fintuity. I work with individuals and families across Merseyside, West Lancashire and the wider UK, providing whole-of-market advice on pensions, retirement, investments, protection and inheritance tax planning.
Before becoming a financial adviser, I spent over a decade as an engineer in the automotive and nuclear industries. That experience still shapes the way I work today: methodical, detail-focused and practical.
Guides and tools
Inheritance tax
Pensions and Inheritance Tax from April 2027
What the rule change means for your estate - and what you may want to consider now.
ToolInheritance tax calculator
Estimate a UK inheritance tax liability, with the allowances explained.
PlanningCashflow planning
How cashflow modelling answers whether your money will last your whole retirement.
Start with a conversation
Tell me about your situation and what you would like to achieve. There is no charge for the first conversation and no obligation to go further.
FCA regulated. Fees agreed in writing before any chargeable work begins.