David is the managing director of Womble Bond Dickinson Wealth Limited, our Financial Conduct Authority authorised firm providing regulated financial planning, investment and pension advice. In addition, David heads our private wealth business group and is one of the firm's board members.
David joined the firm 18 years ago having previously held a senior position in a leading international accountancy practice. He provides advice to HNW individuals, trustees, charities and companies, working closely with a client’s existing professional advisor or with our in-house legal and tax colleagues. David has gained an enviable reputation in simplifying clients’ complex issues. He is accustomed to advising ultra-high net worth individuals and their families, including business owners and is recognised as a trusted “commercial” advisor.
David frequently contributes to the national press and specialist publications in relation to financial planning and technical issues. He is a member of The Personal Finance Society and the Chartered Insurance Institute and is authorised by the Financial Conduct Authority to provide investment and pension advice.
“David is one of the most revered names in private wealth."
Alexander specialises in advising UK based clients particularly those with real estate assets. He advises a number of historic landed estates as well as individuals and families. His core skills apply to the areas of personal tax, wills and trusts. Alexander chairs private family offices, acts as trustee of private and charitable trusts and as a director of private companies.
He's absolutely great, meticulous - he's incredibly switched on financially and has a genuine love of the markets as well, which is a strong differentiator."
"He's hugely involved with his clients, he always goes the extra mile."
"He has a very relaxed style but he has very significant experience in the area - he has come across almost all of the issues already and can deal with them."
Emma leads the charities team having joined the firm in 2007 from a leading London charity practice. The team spends 100% of its time supporting charities and not for profit organisations.
She specialises in governance and constitutional issues for charities and advises trustees and directors on their legal duties and responsibilities, ensuring compliance with the law and regulation.
Main areas of work include the establishment of new charities, incorporations and governance reviews, restructuring, mergers, collaborations and partnerships, trading, fundraising and tax, commercial contracts affecting charities and compliance issues, including Charity Commission regulatory action. Emma is also on the panel of Charity Commission approved Interim Managers.
Emma is down to earth and straightforward in her approach, believing clients in this sector benefit from practical advice which is tailored to achieve their aims; supporting clients to deliver their objectives for the benefit of the communities they serve.
Emma is immersed in the sector through her work with umbrella bodies, she is a trustee and regular contributor to legal journals and publications and is also a member of the Charity Law Association.
The Charities team is led by the "excellent" Emma Moody, who attracts praise for her "exceptional business acumen, which allows her to really understand her clients and provide the best support possible in any given situation".
Helen is a Partner and Notary Public. She is also head of the Private Capital Team within the Private Wealth department.
Helen handles all aspects of private client work, with particular emphasis on asset protection and capital taxes planning for high net worth individuals. Her main areas of expertise include wills, trusts, inheritance tax, probate, lasting powers of attorney, advance decisions and advice on the death benefits of life and pension policies. Helen acts as a trustee for many family trusts and advises on all aspects of trusteeship and trust management. She has a particular interest in legal issues relating to end of life decision making and succession and capacity issues relating to people with property interests in more than one country.
Helen is a member of the Society of Trusts and Estate Practitioners (STEP) and an English Notary Public which enables her to authenticate documents to be used in foreign countries.
Jo specialises in advising charities and those who work with charities on all aspects of charity law and governance.
Whether establishing new charitable organisations for philanthropists, or advising national household name charities on new projects or ventures, Jo delivers the project efficiently and in a straightforward manner.
Jo advises across the range of charitable activity and has particular experience in advising religious bodies on restructuring and managing complex trust arrangements.
Her experience in managing charity mergers includes acting on the merger that formed Cancer Research UK, the four national Age UK charities and more recently the merger of St Mungo’s Broadway.
With the Charity Commission becoming a more active regulator, Jo has advised numerous charities who face questions from the Commission or who are subject to a section 46 Inquiry.
Jo is a member of the Executive Committee of the Charity Law Association and Chaired the working party on the Charities (Protection and Social Investment) Act and gave evidence to the Joint Scrutiny Committee in the House of Lords. Jo lectures on issues of charity law and writes regularly for the sector press. She also serves as a school governor.
Jo gave the opening address at last year’s Charity Law Association conference and regularly lectures and writes on matters of charity law and governance.
"Extremely personable" Jo Coleman garners extensive praise; she "explains fairly complex legal issues in an easy-to-understand and practical way and is very good at finding solutions to seemingly difficult problems and situations."
Mark has extensive experience of advising high net worth individuals, banks and trust companies on inheritance and capital gains tax planning. He acts principally for families, advising on protecting assets and ensuring that they pass to the next generation tax efficiently through the use of wills and trusts.
Mark also advises individuals on tax efficient charitable giving.
Additionally, Mark has extensive experience of acting for charities on all matters, ranging from formation, incorporation, governance issues, advice on trustees powers and duties and Charity Commission investigations.
"Highly competent" team head in Bristol
"Technical knowledge is excellent"
Neil is an experienced private client lawyer, with a particular specialism in trust and estate disputes. He advises individuals, families, charities and trustees about the validity of Wills and trust documents, undue influence, financial provision, mental capacity, interpretation and related matters. Neil has wide experience of negotiation, mediation and litigation, having conducted cases in the Family and Chancery Divisions of the High Court, the Court of Appeal and the Court of Protection. He also maintains a non-contentious practice advising clients on Wills, inheritance tax and the administration of complex UK and international estates and trusts.
Neil is a member of The Association of Contentious Trust and Probate Specialists (ACTAPS); the Society of Trust and Estate Practitioners (STEP) (and the STEP Contentious Trust and Estate Special Interest Group). He is chair of the Private Trusts Committee of The Association of Corporate Trustees (TACT) and regularly acts as executor, trustee and deputy (particularly as an independent professional in disputed cases).
Neil is recognised as a Prominent Figure in Contentious Trusts in the Citywealth Leaders List 2016.
"A popular figure in the market."
"Knows how to handle tough disputes."
"He has got really in-depth knowledge of the law and of dealing with complex private client issues."
"He is very good at looking at the big picture."
"He is doing very well running the team in London. He is a good solid player and I wouldn't hesitate to send work to him."
Robert is a partner specialising in all aspects of the management and maximisation of rural land assets.
In addition, Robert is a trustee of a number of diverse charities, including the Royal Bath & West of England Society (of which he is chairman), Innovation for Agriculture, the Dorset & Somerset Air Ambulance, the National Eye Research Centre and the Langford Trust for Animal Health and Welfare. In 2014 he was President of the Grateful Society, a Bristol based charity that raises money to help older people to maintain their dignity and respect. He is also a Deputy Lieutenant of Somerset.
"Excellent at keeping a straight-down-the-line approach"
"Steering clients firmly but gently through any troubled waters to gain a satisfactory conclusion"
George is a Scottish Solicitor, Scottish Notary Public and Scottish Chartered Accountant, as well as an English and Welsh Solicitor. He is also a Trust and Estate Practitioner and spent six years on the STEP Worldwide Board and continues as Chairman of its HR Panel.
His specialisms include charitable trusts, private trusts and the taxation of private individuals, family companies and partnerships, and he has particular experience in capital tax planning. He provides strategic advice to both businessmen and women and deals with a number of individuals with substantial land interests. He also sits as a trustee on a number of clients’ charitable foundations and private trusts.
"Renowned private client lawyer"
"Non-domicile offshore work."
Simon’s practice focuses on advising individuals, families and trusts in relation to a wide range of legal, commercial and personal issues. He acts as trustee for a number of significant landowning families and thrives upon finding innovative solutions to the many challenges that the ownership of landed estates presents. Simon also advises private and commercial investors in the acquisition and management of farms and estates – covering sporting, agricultural and commercial aspects.
His clients include corporate and charitable bodies as well as many significant private estates.
"Very strong on strategy and ruthless on the detail"
Laura specialises in commercial property and agricultural property transactions.
She has significant experience acting for a cross section of landowning clients, including institutions, charities, private individuals, banks and developers.
Laura supports landowners with a variety of property issues. Her work ranges from drafting of leases for commercial premises to option agreements and the sale and purchase of commercial or agricultural property, including multi-let property. She has expertise in advising on tenancies, including agricultural land tenancies, both drafting new tenancies and terminating existing tenancies.
Laura has experience involving the development of agricultural land: acting for both landowners and developers, negotiating and drafting option agreements and conditional contracts.
In addition, Laura has become increasingly involved in advising on renewable energy projects by drafting options, leases and easements for solar and wind projects. Her experience includes advice on protected agricultural tenancies and the surrender of land in conjunction with exercise of the option agreements.
Andrew advises clients in relation to all aspects of rural property and has acted in the sale and purchase of many large farms and estates, and agricultural and residential rural property portfolios.
His particular area of expertise lies in acting for landowners in the grant of options and leases to wind farm operators, whether for turbine development or access and infrastructure. He has also acted for clients looking to install their own small or mid-wind turbines on farms to take advantage of Feed in Tariff. He has also acted for landowners in relation to Solar PV development agreements, and on anaerobic digestion projects.
Andrew advises on the grant of and on issues arising from agricultural tenancies, commercial leases and easements. He has particular expertise in advising site providers, whether greenfield or rooftop, on the grant of leases to communications operators. Andrew routinely acts for landowning clients on complex conditional sale contracts and overage agreements on the sale of rural landholdings for residential or commercial development.
Andrew has dealt with numerous voluntary first registration applications for major landowners, encompassing registration of their surface and mineral interests, where the latter may be derived by means of reservation on sale, or out of an historic manorial title. He has significant experience in advising mineral owners in the negotiation of prospecting agreements, option agreements, transfers and leases of minerals and now plays a key role in advising severed mineral owners looking to exploit their mineral interests in innovative ways where surface development is planned.
Neil has 37 years of experience with the firm dealing with a wide range of private wealth, real estate and management issues. He was Managing Partner of the firm from 1998 to 2008 and now acts for a wide range of private wealth candidates principally acting as the "Man of Business" for his clients.
In Neil’s personal capacity he also holds various external roles as:
- Member of Newcastle University Council
- Vice-Chair of Cheviot Trust which is trustee of a number of pensions schemes
- Member of the Audit Committee of Home Group plc
- Local Ambassador of Prince’s Trust
- Trustee Director of Tyne & Wear Archive & Museums Development Trust
- Trustee Director of The Charlotte Straker Project
- Trustee of Operating Theatre.
Christopher specialises in advising private clients in relation to their estate planning needs, including wills, trusts and inheritance tax mitigation. His work includes the formation and restructuring of family trusts to achieve tax efficient succession planning, and advising owners of landed estates on inheritance tax mitigation, including maximising agricultural and business property reliefs, and advising on capital gains tax. He also advises on pre-sale tax planning for shareholders in private trading companies.
He has advised non-UK resident trustees on tax efficient distributions to UK resident beneficiaries, and has advised on residence and domicile issues for private clients coming to or leaving the UK, including obtaining favourable domicile rulings from HMRC on behalf of private clients.
He advises institutional trustees on all aspects of trusteeship, including trustees' duties and powers, claims by beneficiaries and tax planning, and frequently advises pension scheme trustees on the creation of trusts to hold death benefits.
Christopher acts as a trustee for a number of family trusts and is a member of the Society of Trusts and Estate Practitioners (STEP).
"Is an excellent technical lawyer,"
"Very, very analytical and very good at coming up with ideas and looking at things from a different perspective."
"Ensures all matters are carefully considered, to make sure clients receive the right advice in a timely manner."
Deborah specialises in advising agricultural clients in relation to Wills and trusts aimed at retaining and protecting assets for the benefit of future generations. She also advises trustees about the scope of their powers and in varying existing trusts where appropriate.
Deborah acts for a number of clients who lack the capacity to manage their financial affairs. She is one of only 60 Panel Deputies appointed by the Court of Protection to represent those people who lack the capacity to manage their financial affairs.
Deborah acts as an expert witness advising on the likely fees for a Deputy as part of claims for damages arising out of personal injuries. She has acted for local authorities and the NHS as well as claimants in relation to such claims.
Deborah has advised extensively in relation to providing for children with special needs in using lifetime trusts and Will trusts. She has spoken at a number of seminars on behalf of Mencap, Durham County Council and at a number of parent organised events. She has acted for Mencap in providing a precedent discretionary Will trust documents for use by other solicitors.
Deborah is a member of the Society of Trusts and Estates Practitioners.
"Experienced, dedicated lawyer with an approachable manner."
"Highly competent, technically superb and excellent at tax issues.
Susan is an experienced private client lawyer with a national client base. She joined the firm in 2011, having previously worked for Addleshaw Goddard in Leeds for 12 years.
Susan specialises in advising private clients, their families and trustees on a wide range of issues, in particular those relating to estate planning and capital taxation. This involves complex Will and trust drafting and providing advice on asset protection and inheritance tax mitigation. Susan has extensive experience of advising individuals and trustees owning private company shares.
Examples of experience include:
- Restructuring of substantial family trusts to achieve tax efficient succession planning for current and future generations
- Advising both individual and corporate trustees on all aspects of trusteeship, including trustees’ duties and powers and potential claims by beneficiaries
- Advising the owners of private company shares on pre-sale tax planning and succession planning
- Complex Will drafting for high net worth individuals
- Advising high net worth individuals on tax efficient succession planning through the use of lifetime trusts.
"Very sensible advice."
"Very personable and technically excellent."
"A very solid, fantastic lawyer and a trustworthy pair of hands."
Emily is an experienced private client lawyer who specialises in providing personal legal advice on wills, trusts and estate planning. She also advises banks, insurance companies and professional trustees, both onshore and offshore, on aspects of trust law.
Emily trained at the firm and has specialised in private client work since she qualified in 2008. She has spent the majority of her professional career in the North East, but has a national client base and frequently travels further afield.
Emily’s main area of expertise is providing advice to entrepreneurs and business families. She takes a particular interest in the challenges facing family business owners as they seek to pass wealth through the generations, advising on succession issues and planning for the future.
Emily is a qualified Trust and Estate Practitioner and a member of STEP, the worldwide professional association for those advising families across generations.
"Great at the details and always delivers on time"
Edward has over 20 years' experience advising high net worth individuals, their families, trustees and family offices on cross-jurisdictional asset structuring and international tax, wealth and succession planning. With a unique blend of expertise from having worked both offshore and onshore, in common and civil law jurisdictions and on contentious and non-contentious matters, Edward is recognised for taking a creative approach to wealth structuring, for having particular expertise in the establishment of fiduciary structures and related fiduciary and governance issues.
Janice specialises in residential conveyancing, commercial property and agricultural property transactions.
She has in-depth experience of domestic residential transactions and has acted for a wide variety of high net worth individuals in the sale and purchase of both freehold and leasehold properties. She has also acted for a range of lending institutions in connection with the re-financing of primarily London properties, in the sale of properties for insolvency practitioners and also acted in connection with the property elements of the administration of estates for the trusts department of a well-known UK bank.
In addition Janice has become increasingly involved in acting for a number of estate owners in relation to asset management, including sale of surplus property and letting of both residential and commercial premises and the granting of easements.
Richard is a dispute resolution private client lawyer, focusing on disputes about trusts and inheritance. He trained with the firm, qualifying in 2008.
Richard’s specialist expertise is in resolving disputes concerning high value trusts and estates, including those involving complex asset holdings, business interests and assets held in multiple jurisdictions. He also has an advisory practice assisting professional trustees and banks with the scope of their powers and duties when acting as trustee or executor of an estate.
His clients include private individuals, professional trustees, major banks and other financial institutions and charities.
He has experience of the full range of issues that can arise when trusts and estates become contested, from claims by disinherited spouses and family members under the Inheritance (Provision for Family and Dependants) Act 1975, to disputes about less common issues such as forged wills and claims based on the doctrine of proprietary estoppel. He is also a member of the firm's Court of Protection team advising on contentious statutory will applications and contentious best interests decisions.
Richard also has experience in advising on professional negligence and contractual claims for private clients and organisations involved in the private wealth sector, including claims involving allegations of fraud and dishonesty.
Richard is one of only a handful of full members of the Association of Contentious Trust and Probate Lawyers (ACTAPS) in the North of England. He is an affiliate member of STEP, working towards full STEP membership in 2018.
"Handles complexities with great professionalism, knowledge and expertise without ever losing his personal rapport with clients, acting as a calming influence from beginning to end"
Charlotte Patterson- Ryan
Charlotte advises individuals, companies, landed estate and institutional clients on a broad range of issues affecting all types of property, predominantly in the rural sector. She focuses on landlord and tenant issues, sales and purchases, refinancing and other agricultural matters, such as deeds of grant, wayleaves and access rights. Charlotte is also familiar with broader issues which can arise in relation to agricultural property such as development options and overage.
Joanne joined the team in May 2015, having specialised in agricultural property matters since qualification as a solicitor in October 2008.
Joanne primarily acts for farming clients, trusts, estates, and companies in the acquisition and disposal of agricultural and rural properties and estates.
Joanne also deals with general agricultural property work including preparing and advising upon agricultural, residential and business tenancies and dealing with land registration and title matters.
Samantha specialises exclusively in advising charities, education providers, social housing providers and other not-for-profits. She advises on all aspects of charity law with a particular focus on strategic, governance, regulatory and compliance issues. Her clients range from local voluntary organisations to individual philanthropists and nationally recognised charities.
Her particular interests include establishing new charities, providing strategic advice on group structures, joint ventures, mergers, partnership arrangements and collaborative working practices, advising on compliance with charity law and good governance, advising on funding, fundraising and trading issues, and contractual relationships between charities and the public and private sector.
She aims to provide down-to-earth advice in an approachable manner, putting in place arrangements that help her clients to focus on achieving their charitable objectives without being distracted by cumbersome and complex working practices.
Samantha regularly speaks at charity conferences, seminars and workshops and at bespoke training sessions for trustees.
She has spoken on a range of topics including trustee duties and issues with trading. Her experience as a trustee of a number of charities has given her in-depth understanding of the issues that trustees and governors face in reality. Samantha is also a member of the Charity Law Association.
Heather has over 20 years’ experience, mainly involved in elderly client, probate and Court of Protection work. She has been a Court of Protection Panel Deputy (in cases where there was no one else suitable to act) for 14 years.
Heather carries out private and corporate client work, mainly involved in elderly client, trusts, probate and Court of Protection work.
She has provided expert advice to institutional and other professional clients on a range of trust, probate and other issues and has received referrals from the Court of Protection and Office of the Public Guardian for a number of years. Heather also has useful cross-discipline experience in dealing with property matters, frequently providing legal advice to property lawyers in cases where a trust or estate has an interest in land.
Fiona joined the firm as a trainee in 2011 and qualified as a solicitor in the wills, trusts and probate team in 2013. She was promoted to Associate in May 2017 and qualified for the STEP Diploma in Trusts and Estates (England and Wales) in June 2017.
Fiona is building up her reputation as a trust and estates specialist, advising clients with substantial assets and complicated family relationships and using appropriate structures to pass wealth down the generations in a tax efficient and controlled matter. She acts for a wide variety of individuals, including business owners, elderly clients and lottery winners, covering a range of areas such as wills, trusts, lasting powers of attorney, advance decisions, inheritance tax planning, gift and statutory will applications in the Court of Protection, and other related matters.
Fiona balances technical expertise with the softer skills necessary to deal with difficult family situations and was included in eprivateclient's 2017 "Top 35 under 35" list of private client practitioners in the UK.
Fiona runs the firm's Leeds office social committee and is also a member of the Leeds graduate recruitment team.
Bob advises on the cross-border aspects of both Corporate Taxation for businesses and Resident Non-Domicile Tax for High Net Worth Individuals (HNWIs). He has spent over 20 years of his career mainly with the "Big 4" international accounting firms in various jurisdictions across the globe. These include China, Hong Kong, Singapore, other Southeast Asian states, Canada, Australia, Russia and Central Asia, Central and Eastern Europe, as well as the UK.
Bob's corporate tax work is focused on complex cross-border tax structuring involving multiple jurisdictions from an investor's home state, to intermediary jurisdictions and the investment host state. In each case, Bob undertakes a resolution-based approach in dealing with all multiple barriers to investment involving jurisdictional mismatches, such as various states' legislative lacuna, contradictory and inconsistent tax case law, incoherent and unpublished tax authorities' practice, among numerous other vagaries of taxation commonly faced by corporate investors.
Bob has also spent the last several years with major London and offshore-based accounting firms in servicing the complex needs of HNWIs in supporting their international and UK tax planning and responsibilities. In particular, Bob places significant care in exercising a highly client-intensive approach by working closely with private clients in supporting them with their tax planning and reporting during the process of migration from one country to another. Additionally, he attributes high-level importance towards forging pivotal alliances with referring intermediaries, including private banks, offshore trustees and lawyers, and other industry players.
Bob has written a number of thought leadership articles for global publications, including 'The Diplomat', 'Bangkok Post', 'China's World' and the World Bank website. He is also a regular contributor to Hong Kong's South China Morning Post newspaper.
David has significant leadership expertise and 34 years of experience within the banking and wealth management sector.
He's been responsible for leading teams of Wealth Managers and Private Bankers while at the same time building and developing a substantial portfolio of High Net Worth clients within the North East of England. While his main areas of expertise have centred around the provision of investment advice, he has worked closely with clients' other advisers in seeking to ensure the provision of truly holistic wealth advice.
David has 19 years experience as a Private Wealth manager and Regional leader at a leading Private Bank. He also has 14 years experience within both Corporate and Retail Banking with a leading High Street Bank.
Andrew is a financial adviser within Womble Bond Dickinson Wealth Limited and joined the firm in 1999, having previously been with accountancy business Arthur Andersen. For much of his career he has specialised in the technical aspects of pension provision and has helped both employers and individuals formulate their approach to retirement provision.
Having also had spells within employee benefit terms and as a technical manager at a large insurance company Andrew’s breadth of knowledge is wide and varied. His knowledge and experience in guiding pension scheme trustees through their investment decisions is now more regularly used helping individuals with their investment decisions.
Andrew is a member of the Personal Finance Society and was previously recognised by HMRC as a “Pensioneer Trustee”.
Gareth is a Chartered Fellow of the Personal Finance Society, with over 15 years’ experience in advising clients on various financial planning matters.
Alongside his advanced financial adviser qualifications, Gareth is also an Affiliate member of STEP (The Society of Trust and Estate Practitioners), which builds on the full range of services offered by the in-house lawyers and tax experts within the firm's Private Wealth team.
Gareth specialises in providing advice to individuals, trusts and companies on a broad range of financial matters. He enjoys building long term and trusted relationships with his clients in order to deliver well-rounded and flexible advice.
Frequent areas of work include pensions and retirement advice, inheritance tax planning and investment portfolio reviews. He regularly works closely with other professional advisers, such Solicitors, Accountants, Corporate Finance Managers, Stockbrokers and Land Agents, to collaboratively embrace planning areas such as Trust structures, offshore investments and commercial property purchases via pension funds.
Jane joined the firm as part of our graduate recruitment programme in 2002 and is now a chartered financial planner and manager within the team. She specialises in providing advice to individuals, trusts and companies on a broad range of financial topics, including investments, pensions and protection. Working closely with the firm's legal and tax experts, Jane is able to contribute to a multi-disciplinary approach that assists clients to maintain and grow the wealth of their family and to improve the prospects for their business.
Jane has a range of qualifications, including a Diploma and Advanced Diploma in Financial Planning. She is a member of The Personal Finance Society and the Chartered Insurance Institute. Many of Jane’s qualifications focus upon planning for those reaching retirement and in later life, including advanced exams in retirement planning and long term care planning. She has a wealth of experience in advising clients regarding Inheritance Tax planning, ranging from simple steps to improve the tax efficiency of an estate, to more complex investment solutions to reduce tax liabilities.
Jane is a frequent contributor to a range of publications, including the local press and in-house newsletters and magazines. She also arranges and hosts seminars on a regular basis, keeping clients informed on a range of financial topics and market updates.
Leslie is a manager within Womble Bond Dickinson Wealth Limited, and has been with the firm for over 25 years.
He deals with the affairs of individuals and trusts, working with legal, tax and accounts colleagues in the firm to provide family office services.
As well as dealing with client affairs, Leslie also has responsibility for the Womble Bond Dickinson Wealth Limited administration team.
He is a member of the Personal Finance Society and of the Chartered Institute.
Colin began his career in tax and by 1987 he was a tax manager with EY. At that point he changed career by joining a national firm of Independent Financial Advisers (IFA) before re-joining EY and managing their regulated IFA team in Newcastle. On the sale of the EY IFA practice Colin joined the firm in 2005.
Colin holds the Diploma and Advanced Diploma in Financial Planning. He is a member of The Personal Finance Society and the Chartered Insurance Institute.
In a fairly lengthy career Colin has undertaken a wide variety of assignments including:
- Formulation of redundancy/retirement counselling programme for major public body consisting in design and delivery of nationwide seminars covering tax, investment and pension issues. Developing strategies for client asset allocation, fund manager selection and monitoring along with potential use of tax efficient vehicles such as “private funds”
- High and sophisticated Inheritance Tax mitigation
- Establishment and management of multi asset class portfolios for private clients, trusts and pension funds including SIPPs
- Advice on accumulation and “decumulation” of pension arrangements in the light of recent legislation.
Colin’s grounding in tax is invaluable as an investment and pensions adviser.
A graduate in statistics, Roy has 30 years’ experience in financial services. He previously worked on the distribution side of the industry for several life offices before becoming an independent financial advisor in 1995. Roy provides both personal advice to individuals and trustees and corporate advice and guidance to employers and pension scheme trustees.
Personal advice includes investments, pensions and protection. Corporate advice to employers includes complying with auto enrolment legislation, reviewing ongoing appropriateness of existing pension arrangements and protecting the business from the death or serious illness of key employees or directors.
Guidance to pension scheme trustees is for both defined benefit schemes and defined contribution schemes on the ever-challenging funding issues (defined benefit) and need for reviewing existing governance procedures.
Simon is a senior manager in the private wealth team and has been working there since it started providing investment advice in 1999. He has over 29 years’ experience in the financial services sector. Simon specialises in looking after the complex affairs of individuals and trusts. His focus is upon investment and pensions matters, however, he is more commonly involved in co-ordinating tax and legal matters for families with complex affairs.
Simon is a member of the Personal Finance Society and authorised by the Financial Conduct Authority to provide investment and pensions advice.
Steven has been advising private clients on UK personal tax matters for over 20 years. He qualified as a Chartered Tax Advisor with a big 4 accountancy firm in 2000 and has been with the firm for over 14 years.
Steven is part of the Agents Advisory Group that regularly meets with HMRC to discuss tax policy.
His experience includes:
- Advising on structuring and technical issues under the Enterprise Investment Scheme for a new start up UK company
- Advising on inheritance tax issues for a Belgian client
- Advising on the UK tax issues on distributing funds from non UK resident trusts
- Advising on de-enveloping UK residential property from a non UK resident company.