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Personal Financial Planning Wealth Management Financial Advice for Widows and Widowers

Dealing with life after losing a partner can be confusing and painful. Finances are the last thing on your mind. Our team are here to offer a holistic approach to managing your finances. With a wide range of extensive industry experience, we will take the time to understand your needs and recommend solutions personally tailored to you.

  • A relaxed and comfortable service
  • The ability to be in contact with the same adviser throughout
  • A no-rush approach with the pace completely controlled by you

Financial Advice for Widows and Widowers

Paul Steed

We have been providing financial advice to high-net worth clients for over 30 years and pride ourselves on our comprehensive and transparent approach.

Our experienced team of wealth managers have the expertise to help you with all aspects of your financial planning. From retirement planning, savings and investments, to protection, life insurance and estate planning, they will support you every step of the way.


Supporting widows and widowers

We offer honest and empathetic financial advice to widows and widowers who are not sure where to begin. Our experienced financial planners work alongside a fully qualified technical support team, and will help you manage all aspects of your wealth, both now and on an ongoing basis.

Our advisers will take the time to fully understand your situation, help you feel comfortable, and learn what your goals and objectives are. This will enable us to provide you with a complete recommendation.

We will gather a full understanding of the assets you have acquired from your partner. This includes areas such as cash deposits, ISA’s (both cash based and stock market based), pensions and National Savings and other investments.

You are in safe hands with our advisers. They will simplify the process and secure you a level of income, where possible, to allow you to achieve your short and long-term objectives. It requires sensitivity and a strong understanding of the issues you are likely to have while also getting to know you and what you are looking for from life generally, as well as financially.

Our service typically includes regular face-to-face meetings to review your situation, assessing any current shortfall levels so we can amend long-term plans.


Key areas to consider

  • Property plans Many wish to stay in their existing property while considering their longer term options. We will help you decide whether it is likely you will move, downsize, or stay put longer term.
  • Income Once the existing income sources have been assessed, it is sensible to consider what level of income you require and if this can be achieved. We can help with securing a regular fixed income to make budgeting easier.
  • Gifting Often people wonder whether to make gifts to family members or others and if making those gifts is affordable. We can assist you in reviewing your options and understanding any implications you may face.
  • Simplifying investments You may have inherited a number of investments. We usually suggest some level of consolidation and simplification, to ensure the new arrangements are suitable and the most tax efficient structures are used.
  • Trusts and existing tax planning If there are existing Trusts or if any tax planning has already been carried out, it is necessary to understand those arrangements. We will help simplify this for you.
  • Pensions If your loved one had undrawn pensions there are often a number of options to be considered. Similarly, for pensions in payment, it must be checked whether they will continue and at what rate. We will help you investigate and understand your options.
  • Inheritance tax planning There are a number of simple ways of saving inheritance tax without making any gifts. We can help you explore these different methods to reduce your inheritance tax.
  • Private company shares The options for private company shares need to be considered particularly carefully as they are not always the same as for public quoted shares. We will help you understand your situation and what to do for the best.

Get in touch

Speak directly to our team
01603 967967
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