Financial advisers in the South East

Advice in the South East

What people here ask us about

The South East is the most expensive place in the country to own a home outside London, and that shapes almost every financial question people here bring to us. A family house in Surrey, Berkshire or Hertfordshire can use up both inheritance tax allowances by itself. Salaries earned in the City or along the M4 corridor cross the £100,000 line early, and with them comes the loss of the personal allowance and, for parents, of funded childcare.

Many of the people we speak to here have done well and feel less well off than their income suggests. Their wealth is in bricks and in pensions they have not looked at since their last job move. A good adviser brings those together into something they can plan around.

• Inheritance tax on the family home

  Estates above £1 million are ordinary in much of the region. Gifting, trusts and the April 2027 pension change all need looking at together.

• Commuters and the £100,000 trap

  Pension contributions, salary sacrifice and bonus planning for professionals whose pay has outrun the thresholds.

• Retiring from a long career

  Several pensions from several employers, often with final salary benefits among them, turned into one income plan.

• Downsizing and releasing capital

  What to do with the proceeds of a move, and how it changes the inheritance tax position.