ESTATE & LEGACY PLANNING

Protect your wealth to preserve it for the people you love.


Estate and legacy planning are more than just writing a will and putting in place a power of attorney. It’s about making sure your life’s work continues to support the people and causes that matter most to you. At NTM, we help you take control of your financial legacy with thoughtful, tax-efficient planning that ensures your wealth is passed on smoothly and securely.

WHAT WE HELP YOU WITH

GETTING YOUR WILL STRUCTURE RIGHT

We help you understand and organise your estate so you can make informed, thoughtful decisions when creating your Will. A Will is the cornerstone of any estate plan and is usually prepared by a legal professional. It ensures your money, property, and possessions go to the people you choose, makes the process simpler and quicker for your loved ones, and allows you to appoint guardians for children or record important wishes - giving you clarity, control, and lasting peace of mind.

CREATING TRUST REGIME FOR ASSET PROTECTION

We help you put in place trust’s that can give you greater control over how your money, property, or investments are managed and passed on, helping you protect assets, reduce complexity for loved ones, and ensure they’re used exactly as you intend. It can also offer tax efficiencies, safeguard inheritances for children or vulnerable family members, and provide a structured way to manage wealth during your lifetime and after you’re gone

INHERITANCE TAX REDUCTION

Inheritance tax is becoming an increasing concern as tax thresholds have been froze since April 2009 and are not due to be revised until April 2030, frozen for 21 years. We can help reduce inheritance tax by reviewing your entire estate and recommending strategies that legally minimise the tax your beneficiaries may face. We guide you on using allowances and exemptions, gifting rules, trusts, life insurance written in trust, and structuring your assets in a more tax‑efficient way. Also, help ensure your plans align with your long‑term goals, making it easier to pass on wealth in the most efficient and controlled way.

FAMILY WEALTH TRANSFER

From family homes to business ownership, we work with you to structure assets and income streams, so they transfer smoothly, whether you’re planning for adult children, young families, or wider family networks.

LEAVING A LASTING LEGACY

Whether supporting a charity or creating a family foundation, we’ll help you align your financial plans with your personal values, so your legacy reflects not just what you built, but who you are.

WHO THIS SERVICE IS FOR

This service is ideal for:

  • Individuals and families with assets, property, or investments to pass on
  • Individuals with an estate valued at more than £325,000
  • Business owners looking to plan succession or exit
  • Anyone concerned about inheritance tax or their family’s financial security
  • People wanting peace of mind beyond a simple Will
  • People who want to review their Trusts and or Estate Planning

How we work with you

  1. We Start With What Matters Most
    Your values, concerns, and goals guide everything we do. We take time to understand how you want your wealth to be used and protected.

  2. We Design a Clear, Tax-Efficient Plan
    Working closely with legal and accounting specialists where needed, we build a strategy that protects your assets and ensures a smooth transition.

  3. We Provide Continued Support
    Wills, trusts, and inheritances all need to reflect your life as it evolves, we’re here to support you through family changes, legislation updates, and future reviews.
WHY OUR CLIENTS CHOOSE US...
Qualified financial advisers with expertise in estate and tax planning

Collaborative approach with solicitors and accountants

Compassionate and confidential guidance

Clear, practical advice tailored to your family and values

FAQ's

  • Do I need more than just a Will?

    A Will is an essential starting point, but on its own it often isn’t enough to fully protect and preserve your estate for the people you care about. A Will directs who receives what, but it doesn’t shield assets from risks like care‑fee assessments, inheritance tax, family disputes, or the possibility that beneficiaries may lose or misuse what they inherit.


    Many people strengthen their planning with tools such as trusts, lifetime gifting strategies, powers of attorney, and tailored financial planning to ensure their wealth is managed, protected, and passed on exactly as intended.

  • How can I reduce my inheritance tax bill legally?

    There are many ways, including gifting, trusts, pensions, and tax-efficient investments. We help you choose the right combination for your situation.


  • What’s the difference between a will and a trust?

    A Will takes effect only after you die and simply states who should receive your money, property, and possessions, while a trust can take effect during your lifetime or after your death and is used to manage, protect, and control how your assets are handled. 


    A Will directs distribution, but a trust can offer added benefits such as reducing delays, protecting vulnerable beneficiaries, managing inheritance over time, and potentially offering tax or asset‑protection advantages.

  • When’s the best time to start estate planning?

    The best time to start estate planning is long before you think you need it - ideally as soon as you have assets, a home, children, or people you want to protect. Planning early gives you more options, more control, and greater flexibility to manage tax, safeguard your estate, and ensure your wishes are carried out smoothly. It also means your loved ones aren’t left dealing with uncertainty, and you can update your plan easily as your life, family, and finances evolve.