How a Guildford family used trusts to mitigate a £250k inheritance tax bill
A practical example of trust-based estate planning in action For many families, inheritance tax only becomes a real concern when the numbers are laid out clearly. Until then, it can feel distant or theoretical. This case study shows how a family based in Guildford identified significant inheritance tax exposure and used trust planning to reduce […]
A comprehensive guide to inheritance tax planning for your estate
Understanding the rules, reliefs, and planning strategies that shape what you pass on Inheritance tax planning is ultimately about control. Control over what you leave behind, who receives it, when they receive it, and how much is lost to tax and administration along the way. For many families, it is also about avoiding uncertainty at […]
Downsizing in the Surrey Hills: Financial and lifestyle considerations
Making a thoughtful transition without compromising quality of life For many people living in the Surrey Hills, downsizing is less about necessity and more about choice. It often comes at a point where priorities are shifting, family homes feel larger than needed, and the appeal of simplifying life starts to outweigh the benefits of extra […]
3 questions to ask your financial adviser about retirement in Surrey Hills
A practical starting point for confident retirement planning in the Surrey Hills Planning for retirement is rarely about hitting a single number. For people living in the Surrey Hills, it is more often about balancing lifestyle, flexibility, and long-term security in an area where quality of life and living costs tend to be higher than […]
How an Esher couple optimised their £1.2m pensions for tax-efficient drawdown
A narrative example of high-net-worth retirement planning in practice When couples approach retirement with significant pension wealth, the challenge is rarely about whether they can retire. More often, it is about turning accumulated assets into sustainable income without creating unnecessary tax, complexity, or long-term risk. This case study illustrates how a couple living in Esher approached […]
Your pre-retirement financial checklist for Farnham residents
A practical guide to preparing your finances before retirement begins For many people living in Farnham, retirement does not arrive suddenly. Instead, it tends to approach gradually, alongside changing work patterns, evolving priorities, and a growing awareness that the financial decisions made in the final working years often shape the quality of life that follows. […]
Navigating pension drawdown rules in Guildford: A 2026 guide
A practical guide to using flexible drawdown rules to support long-term retirement income At Price Ferguson, we work with individuals and families across Guildford and the wider Surrey area who are approaching retirement or already drawing income from their pensions. One of the most common challenges people face at this stage is understanding how pension […]
Maximising your wealth: Tax-efficient retirement income in Guildford
A practical guide to drawing retirement income efficiently while protecting your long-term wealth At Price Ferguson, we work with individuals and families across Guildford and the surrounding Surrey area who are approaching retirement or already drawing income. While every retirement looks different, one theme is consistent. People want clarity, confidence, and control over how their […]
Are you holding too much in cash?
Falling inflation and rate cuts could change how savers think about their money Cash is often regarded as a safe haven in personal finance. It’s accessible and protected from stock market fluctuations, and rising interest rates have made savings accounts more attractive. However, while a cash buffer offers security, holding too much can quietly diminish […]
Pensions to fall under Inheritance Tax rules from April 2027
How upcoming changes could affect estate valuations and beneficiary payouts In the previous 2024 Autumn Budget, the Chancellor announced that the Inheritance Tax (IHT) thresholds, which are the amount you can pass on when you die before IHT is due, will remain unchanged until 2030. However, from 6 April 2027, pensions will no longer be […]