As life unfolds, there comes a time when we may want to help the people we care about most.
Whether that’s children, grandchildren or wider family, deciding when and how to pass on wealth should be straightforward but it rarely is.
Without clear conversations and planning, well‑intentioned decisions can lead to stress, missed opportunities and unnecessary tax.
This Experience explores how thoughtful timing, shared understanding and simple planning can help ensure your money has the greatest possible impact on the lives that matter most.
Everyone is at a different stage of their financial journey. If the first two answers are yes, we are here to help you answer the third and improve life for you and the people you care about.
By spending time with your financial planner, you can feel confident about your finances today and clear about the journey ahead.
Through interactive meetings with your financial planner using the Voyant cashflow planning tool, you can gain clarity on surplus cash and the confidence it brings.
If you’re financially comfortable either way, should you gift money now or save it for later?
What’s stopping you?
Why not now?
Why not start now?
It doesn’t always take a large sum of money to make a meaningful difference to the people you care about. Often, small, well‑planned changes can have a big impact. These simple quick wins can be built into your life plan with your financial planner, helping you look after those you love and leave a lasting legacy.
Make the most of a government‑backed scheme to help loved ones onto the property ladder, while potentially reducing the inheritance tax bill along the way.
With thoughtful planning, it’s often possible to simplify arrangements and reduce the unnecessary costs that can burden your loved ones. That way, more of your money goes directly towards helping them benefit sooner and in a way that truly makes a difference.
At Equilibrium, we help clients live the life they want, look after the people they love, and leave a meaningful legacy. These goals are often closely linked to family, and while some forms of support are significant, even small, thoughtful steps can make a lasting difference.
Earn just over £100,000 and you could lose thousands in childcare support. This article explains the UK’s £100,000 “cliff edge” using Anna’s story: a £25,000 bonus leaves her £6,787 worse off once free hours and tax-free childcare disappear - plus how pension salary sacrifice can help.
Join Chartered Financial Planner, Ben Rogers, for an interactive Masterclass exploring the financial impact of supporting loved ones and the powerful emotional rewards that often come with it.
Step through different scenarios with a financial planner using Voyant Cashflow and create a plan designed to make a meaningful difference.
Using this interactive Lifetime ISA calculator, you can see the difference you could make to your loved ones.
Making gifts during your lifetime can reduce the value of your estate and the amount of inheritance tax that may need to be paid.
During this exclusive Masterclass, Equilibrium Portfolio Manager Harry Topping will reveal common investment mistakes, share practical ways to avoid them, and explain the strategies Equilibrium uses to help investors stay on track.
Care costs can be significant, but planning ahead can help you stay in control. This thought-provoking masterclass will help you understand your options, challenge assumptions, and take practical steps to prepare for future care needs.
Financial Planners, Ben Harrison and Grace Burgin, will provide a gentle introduction to the world of financial planning and investment by sharing their expertise and insights.
Inheritance tax planning is becoming increasingly complex, particularly with pensions expected to fall within the scope of inheritance tax from 2027. While these decisions are often influenced by family circumstances and emotions, this experience focuses on the financial impact of the options available, helping you understand the numbers first so you can make more informed decisions alongside your financial planner.
How can your money benefit your loved ones when they need it most? In this compelling masterclass, Financial Planner Ben Rogers will share transformative strategies to create life-changing outcomes for your loved ones, while potentially saving significant amounts of tax in the process.
Everyone should have a Lasting Power of Attorney in place, regardless of age or health. In this masterclass you'll gain a clear understanding of the terminology, legal requirements, risks of not having an LPA, and have the opportunity to ask questions throughout. Even if your circumstances are more complex, you'll leave better equipped to work with a solicitor.
Go beyond pensions and savings to explore retirement's financial, emotional and practical realities, helping you plan with greater confidence and purpose.
In this digital age, we’re all connected more than ever, making it even more crucial to ensure our online experiences are safe and secure. Join us for a masterclass and discover the most effective ways to protect yourself online.
Markets move fast. The world moves faster. Join Mike Deverell, Nathan Lingham and Harry Topping at our next Investment Insights as they cut through the noise and tell you exactly what it all means for your money.