Preserving your hard-earned wealth for future generations is a mark of financial wisdom. At Derek Mills Wealth Consultancy, we understand the importance of safeguarding your legacy. We are experts in crafting personalised strategies for high-net-worth individuals, mitigating tax liabilities while helping to secure your long-term vision.

Estate Planning with Wealth Management Expertise

True legacy planning requires more than just tax efficiency; it demands a strategic fusion of estate planning and wealth management. We combine robust investment strategies with sophisticated tax planning, so your wealth can continue to serve your family, your values, and your vision well into the future.

Our approach to wealth management and estate planning encompasses the entire picture, from income planning and asset protection to charitable giving and inheritance strategies. With the guidance of an experienced team, your estate plan becomes a living, evolving part of your financial life.

Inheritance Tax Advice That Makes a Difference

Imagine a future where the wealth you’ve meticulously built can be passed on with minimal impact from Inheritance Tax (IHT). We’ll talk you through the main options for reducing Inheritance Tax, and what’s realistic for your situation: from lifetime gifting and trust planning to insurance and tax-efficient investing, where appropriate.

If you’re looking for specialist IHT support, we’ll guide you through the next steps and ensure you understand the “why” behind each recommendation. The end result? You can protect what matters, without complexity.

Intergenerational Wealth Planning

We believe that a strong estate plan should support not only you but also those who come after. Our intergenerational wealth planning services are designed so that your children, grandchildren, and even future generations benefit from the foundations you’ve laid.

We’ll sit down with you and talk through what you’d like to pass on, who you want to benefit, and when it makes sense to do it. If gifting or trusts are the right fit, we’ll explain them clearly and help you use them in a way that feels right for your family.

Whether it’s school fees, a first-home deposit, or longer-term support, we’ll put a simple plan in place that aligns with your wishes and gives your family real clarity.

Flexible Planning for Real Life

Inheritance Tax planning shouldn’t sit in a separate box. It needs to work alongside your day-to-day life, your income needs, your retirement plans, and even the possibility of future care costs.

We’ll make sure your estate plan stays practical and flexible, and we’ll review it with you as life changes, so it continues to reflect your wishes and your family’s needs.

Taking action now means you’re putting a plan in place while you have choices, and giving the next generation priceless visibility.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select, and the value can therefore go down as well as up. You may get back less than you invested.

The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief is generally dependent on individual circumstances.

*Specialist advice for Trusts and IHT may involve the referral to a service that is separate and distinct from those offered by St. James's Place.

Trusts are not regulated by the Financial Conduct Authority.

Start Your Estate Planning Journey

Contact us today to begin your journey toward preserving and protecting your wealth. Whether you’re seeking inheritance tax advice in Solihull or the West Midlands, our team is here to guide you through the complexities of estate planning with confidence.