Financial Advice. Actually Independent.
B² Wealth provides genuinely independent financial advice — fee-based, whole-of-market, with no product ties and no commission bias. Your plan is built around your life, not around what pays us.
Advice that genuinely puts you first
B² Wealth is genuinely independent — whole-of-market, fee-based, with no product ties. Our only obligation is to what is right for you.
We serve individuals, families and business owners at every stage of their financial lives. Whether you need investment planning, pension advice, protection or specialist personal injury trust management — we start with the full picture.
How we help
Investment Planning
Investment planning is about more than picking funds. It's about building a strategy that matches your goals, …
→Pension Planning
Your pension is likely to be your most significant financial asset. Getting the planning right — contributions…
→Retirement Planning
Retirement planning is the process of understanding what income you will need in retirement, what you are like…
→Protection
Protection planning is often overlooked until it's too late. Life insurance, critical illness cover and income…
→Business Owner Advice
Business owners face financial planning challenges that employees don't. Tax-efficient income extraction, pens…
→Holistic Financial Planning
Most people's financial lives are fragmented — pensions here, ISAs there, protection bought separately, a will…
→Personal Injury Trusts
Receiving a compensation award is a significant and often emotional moment. Without the right advice, that mon…
→B² Life & Financial Plan —
your personalised roadmap.
Answer 26 questions in a guided conversation. Our AI builds a personalised 10-section report covering your life goals, financial position, retirement projection and a 90-day action plan — written specifically for you.
Start Your Plan →See your retirement picture
in five minutes.
Tell us about your pensions, ISAs, savings and state pension. Our free retirement planner models your income year by year — showing exactly where you stand, what the gap is, and what needs to change.
No registration. No obligation. Takes five minutes. The results may surprise you.
Try the Retirement Planner →Your DC pensions, SIPPs and defined benefit schemes
ISAs, savings and investment accounts
State pension entitlement and timing
Year-by-year income projection to your planning age
Surplus or shortfall vs your target income
Three retirement age scenarios side by side
Cashflow Illustrator —
model your lifetime financial picture.
Compare two scenarios side by side. Retirement age, pension contributions, savings, property — modelled year by year to age 100. See exactly where each path leads.
Try the Cashflow Illustrator →Financial Planning Services Built Around Your Life
B² Wealth provides the full range of independent financial planning services for individuals, families and business owners. Because we are whole-of-market and fee-based, every recommendation is driven by your circumstances — not by what earns us the most.
Genuinely independent advice
The term 'independent' is used loosely in financial services. B² Wealth is independent in the truest sense: whole-of-market access, fee-based remuneration, no restricted panels, no provider relationships that influence recommendations.
This distinction matters. A restricted adviser can only recommend from a limited range of products. We can recommend anything. That's the difference between advice that suits you and advice that fits a panel.
Fee-based — no hidden incentives
We charge a transparent fee for our advice, agreed before we start. We do not earn commission from product providers. This means our recommendations are never influenced by which product pays us more — because none of them do.
We will always explain our fees clearly and confirm them in writing. There are no surprises.
A long-term relationship, not a transaction
Good financial planning isn't a one-off exercise — it's an ongoing process that evolves as your life changes. Businesses grow and are sold. Families change. Tax rules shift. Markets move.
We review your plan regularly and proactively, ensuring it continues to serve your actual circumstances rather than the circumstances you had when we first met.
Investment Planning
Investment planning is about more than picking funds. It's about building a strategy that matches your goals, …
→Pension Planning
Your pension is likely to be your most significant financial asset. Getting the planning right — contributions…
→Retirement Planning
Retirement planning is the process of understanding what income you will need in retirement, what you are like…
→Protection
Protection planning is often overlooked until it's too late. Life insurance, critical illness cover and income…
→Business Owner Advice
Business owners face financial planning challenges that employees don't. Tax-efficient income extraction, pens…
→Holistic Financial Planning
Most people's financial lives are fragmented — pensions here, ISAs there, protection bought separately, a will…
→Personal Injury Trusts
Receiving a compensation award is a significant and often emotional moment. Without the right advice, that mon…
→B² Life & Financial Plan —
your personalised roadmap.
Answer 26 questions in a guided conversation. Our AI builds a personalised 10-section report covering your life goals, financial position, retirement projection and a 90-day action plan — written specifically for you.
Start Your Plan →See your retirement picture
in five minutes.
Tell us about your pensions, ISAs, savings and state pension. Our free retirement planner models your income year by year — showing exactly where you stand, what the gap is, and what needs to change.
No registration. No obligation. Takes five minutes. The results may surprise you.
Try the Retirement Planner →Your DC pensions, SIPPs and defined benefit schemes
ISAs, savings and investment accounts
State pension entitlement and timing
Year-by-year income projection to your planning age
Surplus or shortfall vs your target income
Three retirement age scenarios side by side
Cashflow Illustrator —
model your lifetime financial picture.
Compare two scenarios side by side. Retirement age, pension contributions, savings, property — modelled year by year to age 100. See exactly where each path leads.
Try the Cashflow Illustrator →Investment Planning: Your Money, Working Properly
Investment planning is about more than picking funds. It's about building a strategy that matches your goals, your timeline and your appetite for risk — and reviewing it regularly as your circumstances change. B² Wealth provides independent, whole-of-market investment advice with no ties to any provider.
A strategy built around you
We begin every investment relationship with a thorough understanding of who you are — your financial position, your goals, the timeline you're working to, and how you genuinely feel about the possibility of your investments falling in value. This isn't box-ticking; it's the foundation of a strategy that you'll actually be able to stay with.
We use psychometric risk profiling tools alongside in-depth conversations to ensure your investment strategy reflects both your financial capacity for risk and your emotional response to it.
Whole-of-market access
We advise across the full range of investment wrappers and structures — Stocks and Shares ISAs, General Investment Accounts, Onshore and Offshore Bonds, and Collective Investment Schemes. We are not restricted to any panel or provider range, which means we can access solutions that restricted advisers cannot.
We work with leading investment platforms and discretionary fund managers, selecting the most appropriate based on your specific situation — not on commercial relationships.
Ongoing management and review
An investment strategy that isn't reviewed isn't a strategy — it's a bet. Markets change, your circumstances change, tax legislation changes. We conduct regular reviews to ensure your portfolio continues to reflect your objectives and to make adjustments where they're warranted.
We also monitor the broader economic and regulatory environment to ensure your investments remain structured as efficiently as possible from a tax perspective.
How much do I need to invest to work with B² Wealth?
We work with clients across a wide range of investment levels. Our focus is on whether we can genuinely add value to your situation — if we can, we'll tell you; if we can't, we'll tell you that too.
What is a Stocks and Shares ISA?
A Stocks and Shares ISA allows you to invest up to £20,000 per tax year in a tax-efficient wrapper — meaning growth and income within the ISA are free from Capital Gains Tax and Income Tax. Unlike cash ISAs, your capital is at risk.
How do you select which investments to recommend?
We conduct thorough research across the whole market and recommend investments that match your risk profile, goals and timeline. We do not receive commission from providers — our only obligation is to what is right for you.
Pension Planning: Your Retirement, Structured Properly
Your pension is likely to be your most significant financial asset. Getting the planning right — contributions, investment strategy, tax efficiency, and ultimately how you access it — can make a material difference to your retirement income. B² Wealth provides independent pension advice across the whole market.
Understanding what you have
Many people arrive at retirement age with multiple pension pots accumulated across different employers, personal pensions and SIPPs — often with different investment strategies, charges and benefits. The first step is always clarity: understanding what you have, what it's worth, and whether it's working efficiently.
We conduct a thorough pension audit covering all existing arrangements, assessing the performance, charges, and suitability of each one against your current circumstances and retirement objectives.
Pension transfers and consolidation
Consolidating multiple pensions into a single, well-structured arrangement can simplify your retirement planning, reduce charges and improve investment strategy. However, pension transfers — particularly from defined benefit (final salary) schemes — require careful analysis and, in some cases, specialist advice.
We provide full pension transfer analysis where appropriate, including critical yield calculations for defined benefit transfers. Where a transfer is not in your interest, we will tell you clearly and explain why.
Tax-efficient pension planning
Pensions are one of the most tax-efficient savings vehicles available in the UK. Contributions receive tax relief at your marginal rate; growth within the pension is tax-deferred; and up to 25% of the fund can typically be taken as a tax-free lump sum at retirement.
We plan contributions, timing and structure to maximise the tax efficiency of your pension arrangements — including the use of carry-forward allowances, annual allowance management, and lifetime allowance considerations where applicable.
Should I consolidate my pensions?
Consolidation can be beneficial — reducing charges, simplifying administration and improving investment strategy. But it's not right for everyone. Some older pensions carry valuable guaranteed benefits that would be lost on transfer. We assess each case individually.
Can I transfer a final salary pension?
In many cases, yes — but defined benefit pension transfers require careful analysis. If the transfer value exceeds £30,000, regulated advice is required by law before any transfer can proceed. We provide this analysis and will only recommend a transfer where it is genuinely in your interest.
How much can I contribute to my pension each year?
Most people can contribute up to £60,000 per year (the Annual Allowance for 2024/25) and receive tax relief on contributions. Higher earners may have a reduced allowance. Unused allowances from the previous three tax years can be carried forward in some circumstances.
Retirement Planning: Know What Your Future Looks Like
Retirement planning is the process of understanding what income you will need in retirement, what you are likely to have, and what needs to change to close any gap. B² Wealth builds detailed, personalised retirement plans — and our free online retirement planner gives you a starting point right now.
Modelling your retirement income
A good retirement plan starts with a clear picture: what income will you need in retirement to maintain your lifestyle? What will your pension pots, ISAs, state pension and other savings actually provide? And what is the most efficient way to draw that income to minimise tax and maximise longevity?
We build detailed cashflow models that project your retirement income year by year, stress-testing them against different scenarios — longer life expectancy, lower investment returns, inflation — to ensure your plan is robust rather than optimistic.
Drawdown strategy and pension access
The introduction of pension freedoms in 2015 gave retirees far greater flexibility in how they access their pension. Drawdown, annuity, phased retirement, UFPLS — each has different tax implications, different risks and different suitability depending on your circumstances.
We design drawdown strategies that balance income sustainability, tax efficiency and flexibility — ensuring you can access what you need, when you need it, without unnecessarily depleting your pot or generating an avoidable tax bill.
State pension and long-term planning
The State Pension forms a significant part of many people's retirement income. Understanding your entitlement, identifying gaps in your National Insurance record, and planning when to take it relative to other income sources is an important part of holistic retirement planning.
We also plan for long-term care costs and the potential need for care funding in later life — an increasingly important consideration that many retirement plans fail to address until it becomes urgent.
When should I start retirement planning?
The sooner the better — the earlier you plan, the more options you have. But it's never too late to benefit from proper advice. Even within five years of retirement, the right planning can make a material difference to your retirement income and tax position.
What is pension drawdown?
Pension drawdown (also called income drawdown or flexi-access drawdown) allows you to leave your pension pot invested and withdraw income as needed, rather than purchasing an annuity. Your remaining fund continues to grow (or fall) with investment performance.
How do I use the B² Wealth Retirement Planner?
Our free online tool takes you through five steps — your details, pensions, savings, state pension and income goals — and produces a year-by-year projection of your retirement income. It's a starting point, not a substitute for regulated advice.
Protection: Because the Right Cover Changes Everything
Protection planning is often overlooked until it's too late. Life insurance, critical illness cover and income protection exist to ensure that if something goes wrong — serious illness, injury, death — your financial position and your family's security don't collapse alongside it. B² Wealth advises across the whole protection market.
Life insurance and family protection
Life insurance provides a lump sum or regular income to your dependants in the event of your death. The right structure — level term, decreasing term, whole of life, family income benefit — depends on your specific needs: mortgage cover, income replacement, estate planning, or business continuity.
We assess your existing cover (including death-in-service benefits through employment) and identify gaps before recommending solutions. Because we are whole-of-market, we access the full breadth of providers and can often secure more comprehensive cover at better rates than going direct.
Critical illness and income protection
Critical illness cover pays a tax-free lump sum if you are diagnosed with a specified serious illness — cancer, heart attack, stroke and others. Income protection replaces a proportion of your earnings if you are unable to work due to illness or injury, typically until you return to work or reach retirement.
These products are frequently mis-sold or under-sold — either too little cover, the wrong type, or cover that doesn't match the actual risk. We design protection solutions that genuinely cover the scenarios most likely to affect you, not the scenarios that are easiest to sell.
Business protection
For business owners, the financial consequences of a key person dying or becoming seriously ill can be existential. Key person insurance, shareholder protection and business loan protection ensure the business can continue and ownership can be transferred fairly in difficult circumstances.
We work closely with business owners to assess their specific protection requirements — often in conjunction with our business owner advice service — and design integrated solutions that cover both personal and commercial risk.
Do I need life insurance if I have death in service through work?
Death in service cover is typically two to four times your salary — useful, but often insufficient for families with mortgages and dependants. It also disappears if you change jobs. Most people benefit from additional, portable personal cover.
What is the difference between critical illness and income protection?
Critical illness pays a one-off lump sum on diagnosis of a specified condition. Income protection pays a regular income if you cannot work due to illness or injury — it continues until you recover, retire or die (depending on the policy). Both serve different purposes and many clients benefit from having both.
Can I get life insurance with pre-existing health conditions?
In many cases, yes. Some conditions will affect premiums; others may result in exclusions. Specialist insurers cover conditions that standard providers decline. We work across the full market to find the best available terms for your circumstances.
Financial Advice for Business Owners Who Have More to Consider
Business owners face financial planning challenges that employees don't. Tax-efficient income extraction, pension funding strategy, business protection, and planning for an eventual exit all require advice that understands the commercial context as well as the personal one. B² Wealth specialises in exactly this.
Tax-efficient income and profit extraction
How you extract value from your business — salary, dividends, pension contributions, director's loans — has significant tax implications. The optimal strategy depends on your business structure, your other income sources, your personal tax position and your longer-term plans for the business.
We model different extraction strategies to identify the most tax-efficient approach for your specific circumstances, working closely with your accountant where relevant. As tax rules change, we update your strategy to ensure it continues to be optimal.
Pension funding through the business
Business owners often have the opportunity to make significant pension contributions through their company — potentially far greater than those available to employed individuals. Company pension contributions are typically deductible from Corporation Tax, reducing the overall cost significantly.
We plan pension contribution strategy in the context of your overall financial picture — coordinating personal and company contributions, managing annual allowance utilisation, and ensuring your pension strategy supports rather than conflicts with your plans for the business.
Exit planning and business sale
For many business owners, the sale of their business is the most significant financial event of their lifetime. Planning for it properly — well in advance of any actual sale — can significantly improve the outcome: structuring the business efficiently, managing Capital Gains Tax exposure, and ensuring the proceeds are invested to provide long-term income security.
We begin exit planning conversations early, working alongside your corporate finance adviser, solicitor and accountant to ensure the financial planning elements are integrated with the transaction itself.
Should I put money into a pension or keep it in the business?
It depends on your plans for the business, your personal tax position and your timescales. Pension funding often wins on tax efficiency, but liquidity and business investment needs may argue for retaining capital. We model both scenarios to help you make an informed decision.
How do I plan for selling my business?
Exit planning should start years before any planned sale. It involves structuring the business and your personal finances to minimise tax, maximise proceeds and ensure the capital provides what you need after the sale. We work with your other advisers to ensure the financial planning is integrated with the transaction.
Can B² Wealth advise on Relevant Life Policies?
Yes. Relevant Life Policies are a highly tax-efficient way for business owners to provide death-in-service benefit for themselves and employees. Premiums are typically deductible against Corporation Tax and the benefit is free from Income Tax and National Insurance.
Holistic Financial Planning: Every Part of Your Financial Life, Working Together
Most people's financial lives are fragmented — pensions here, ISAs there, protection bought separately, a will drafted years ago and never reviewed. Holistic financial planning brings everything together into a single, coherent strategy where each element supports the others.
The whole picture
A pension strategy that ignores your ISAs. A protection plan that doesn't account for your business assets. An investment portfolio structured without reference to your estate planning. Financial planning done in silos produces suboptimal results — because the components interact in ways that individual decisions don't capture.
B² Wealth takes a whole-picture approach from the outset. We map your entire financial position — assets, liabilities, income, expenditure, protection, plans — and build a strategy that optimises across all of them, not just the parts that are easiest to address.
Cashflow planning and financial modelling
We use detailed cashflow modelling to show you where you are heading — not just where you are now. By projecting your financial position over time under different assumptions, we can identify future risks before they materialise, test different strategies, and give you genuine confidence that your plan is robust.
This modelling also helps with decision-making: when can I afford to retire? How much can I spend without risk? What happens if markets fall significantly? Real questions, answered with real numbers.
Coordinating with your other advisers
Holistic financial planning doesn't happen in isolation from the rest of your professional team. Your accountant, solicitor, corporate finance adviser and — where relevant — your commercial finance broker all play a role. We work alongside your existing advisers and, as part of the BSQUARED Group, we have natural connections to commercial finance and estate planning expertise.
Where we identify needs outside our scope — legal advice, tax structuring, commercial finance — we introduce appropriately rather than attempting to cover ground that isn't ours.
What does a holistic financial review involve?
We begin with a thorough fact-find covering your full financial position, goals and concerns. We then build a comprehensive plan addressing all relevant areas — investments, pensions, protection, tax, retirement and estate planning — with clear recommendations and a timeline for implementation.
How often do you review financial plans?
We conduct formal annual reviews as a minimum, with interim contact whenever there are significant changes in your circumstances or the external environment. Our goal is that your plan always reflects your actual situation, not the situation you were in when we first met.
How does B² Wealth coordinate with B² Estate Planning?
B² Wealth and B² Estate Planning are separate entities within the BSQUARED Group. Where holistic planning identifies estate planning needs, we introduce clients to B² Estate Planning with appropriate disclosure. The two services complement each other naturally — particularly for business owners and high-net-worth individuals.
Personal Injury Trusts & Compensation Investment
Receiving a compensation award is a significant and often emotional moment. Without the right advice, that money can be eroded by poor investment decisions, unnecessary tax, or simply the wrong products. B² Wealth provides specialist, independent advice for personal injury claimants — and for the solicitors who represent them.
Specialist advice for claimants
We take the time to truly understand your situation — your needs, your family, your future — and build a personalised investment plan that works for you. From first contact to ongoing annual review, you'll always know exactly where you stand and what comes next.
Our approach includes psychometric risk profiling to match investments to your genuine comfort level, tax-efficient structures to protect as much of your award as possible, and personalised strategies built around your specific goals and timescales. We support families, carers and those acting on behalf of others.
A trusted referral partner for solicitors
When a personal injury case concludes, your duty of care to that client doesn't end at settlement. How their compensation is invested can shape their financial future for decades. B² Wealth works closely with solicitors and law firms to provide regulated, specialist investment advice — giving your clients the best possible outcome and giving you complete peace of mind.
We have experience with periodical payment orders (PPOs) and lump sum awards, provide full suitability reports and a documented FCA-compliant advice trail, and offer a discreet, professional service that reflects well on your firm. We are sensitive to your case timelines and can work to tight deadlines where required.
Court of Protection and protected parties
Where a claimant lacks capacity to manage their own financial affairs, we have extensive experience working within the Court of Protection framework — alongside deputies, case managers and rehabilitation professionals. We understand the additional responsibilities and documentation requirements involved.
Our independence is fundamental to this work. We access the whole market with no provider ties or product bias. Every recommendation is documented and justified, providing a complete audit trail that protects both the client and your firm.
What is a personal injury trust?
A personal injury trust is a legal arrangement that holds compensation money separately from the claimant's other assets. This protects means-tested benefits — if compensation is paid directly to the claimant, it may be counted as capital and affect eligibility for benefits like Universal Credit or Local Authority care funding.
Do I need a financial adviser for my compensation award?
You are not required to use a financial adviser, but specialist advice can make a significant difference to the outcome. Compensation awards — particularly large ones — involve complex investment, tax and benefit considerations that a specialist adviser can navigate on your behalf.
Can B² Wealth work with our law firm on an ongoing basis?
Yes. We work with solicitors and law firms as a trusted referral partner. We provide a professional, discreet service with full documentation, and we are happy to discuss formal referral arrangements.
About B² Wealth
Why independence matters
The financial advice market is divided between restricted advisers — who can only recommend from a limited range of products — and truly independent advisers, who have access to the whole market. B² Wealth is independent in the fullest sense.
This matters because the best product for your situation is rarely the most convenient one for an adviser with provider relationships. Our only obligation is to you — and that's by design.
Who we are
B² Wealth is a family business, operated by the Bradbury family — an entrepreneurial family with over 20 years of experience across financial services, business ownership and client-facing professional practice. That combination of technical depth and genuine commercial understanding is central to what makes B² Wealth different from a standard advisory firm.
Our lead adviser is extremely well qualified to Masters Degree level and brings extensive experience across investment planning, pensions, retirement planning, protection and specialist personal injury trust management. We maintain a minimum of 35 hours of professional CPD annually — ensuring our advice reflects the current regulatory and market environment, not the one we trained in.
We maintain a current Statement of Professional Standing and complete a minimum of 35 hours of professional CPD annually — ensuring our advice reflects the current regulatory and market environment.
Part of the BSQUARED Group
B² Wealth is one of three active divisions within BSQUARED Group, alongside B² Capital (commercial finance) and B² Estate Planning. This structure allows clients to access joined-up financial services across commercial lending, wealth planning and estate preservation.
Each division operates independently with separate engagement processes, appropriate disclosures and distinct regulatory standing. The benefit is access to a broader capability — without the conflicts that come from a single firm trying to do everything.
"Independent. Fee-based. Whole of market."
Let's Talk
Every financial planning relationship starts with a conversation. Tell us a little about your situation — where you are, what you're trying to achieve, and what concerns you — and we'll give you a straight assessment of whether and how we can help.
Part of the BSQUARED Group
By submitting this form you agree to B² Wealth contacting you about your enquiry. Your details are treated in strict confidence and will not be shared with third parties.
Your pension is about to become
part of your taxable estate.
From April 2027, HMRC will include unspent pension funds in your estate for Inheritance Tax purposes. For many people, this changes everything. The window to act is now — and it is closing.
What changes in April 2027
Until now, pensions have been one of the most IHT-efficient assets you can hold. Funds left inside a pension at death pass outside of your estate — meaning no 40% Inheritance Tax charge, and in many cases, a tax-free legacy for your beneficiaries.
The October 2024 Budget changed this. From April 2027, unused pension funds — including SIPPs, personal pensions and many workplace schemes — will be brought within the scope of Inheritance Tax. Combined with the rest of your estate, this could result in a tax bill of 40% on everything above the nil-rate band.
For anyone who has spent years building their pension as part of a tax-efficient retirement and estate plan, this is a fundamental shift. The planning that made sense before 2027 may not make sense after it.
What this means in practice
Consider a straightforward example: a married couple with a combined estate of £800,000 — including a house, investments and a pension pot of £300,000. Before 2027, the pension passes outside the estate. After 2027, it doesn't. The IHT bill on that estate increases significantly — potentially by £120,000 or more, depending on reliefs available.
For business owners, property investors and higher earners who have maximised pension contributions precisely because of their IHT efficiency, the impact is even more pronounced. Pension pots of £500,000, £750,000 or more — accumulated over decades with the specific intention of passing wealth tax-efficiently — face an entirely different tax treatment under the new rules.
And the nil-rate band remains frozen at £325,000 until at least 2030. The residence nil-rate band is being tapered for larger estates. The direction of travel is clear: HMRC is closing every avenue, one by one.
There are legitimate, regulated solutions. But the window is narrowing.
B² Wealth works with clients who have significant pension wealth and a clear concern about the 2027 changes. There are strategies available — properly structured, fully regulated and compliant with HMRC rules — that can materially reduce or eliminate the IHT exposure on pension assets.
These are not loopholes. They are established structures that have been used by sophisticated investors and business owners for years. The difference now is urgency: some structures require time to implement correctly, and the closer we get to April 2027, the fewer options remain open.
Specific regulated offshore arrangements exist that can provide continued pension benefits while removing the fund from the scope of UK IHT. These require careful structuring and professional advice to implement correctly.
Defined Benefit Small Self-Administered Schemes offer specific characteristics that may provide an alternative to standard DC arrangements — with different IHT treatment under the proposed rules. Suitable for business owners and professionals.
Why we don't publish the details here: These structures work because they are implemented correctly for the right client in the right circumstances. A strategy that is appropriate for one person may be entirely wrong for another. Publishing a step-by-step guide would be both irresponsible and counterproductive. What matters is whether it is right for you — and that conversation needs to happen in a meeting.
Who should be having this conversation now
Not everyone needs to act. But if any of the following applies to you, the conversation is urgent:
You have a pension pot of £250,000 or more that you do not intend to fully draw in retirement
Your total estate — including your pension — exceeds £1 million
You are a business owner who has used pension contributions as a primary wealth accumulation and IHT planning tool
You have a SIPP or personal pension and your current estate plan assumes it passes outside your estate
Your existing financial adviser has not yet raised this with you and you are concerned about the implications
If you recognise yourself in any of these, the time to act is now — not when the legislation is in force. Implementation takes time, and the right solution needs to be identified, assessed and structured properly. That cannot be done in a rush.
What a consultation with B² Wealth involves
An initial consultation is confidential, without obligation and without cost. In that conversation we will:
Understand the size and structure of your pension, your wider estate and your current planning arrangements.
Model your projected IHT position under the 2027 rules — so you know exactly what you are looking at.
Explain — in plain English — which structures are available for your specific circumstances and what each one involves.
If the right solution exists for your situation, we will tell you. If it doesn't, we will tell you that too.
B² Wealth provides regulated independent financial advice. All recommendations are documented, compliant and made in your best interests. We do not receive commission from product providers.