Key Topics Covered:

1. Why the Family Wealth Fortress, Why Now

Inheritance tax on pensions from April 2027 is forcing families to rethink legacy planning.
“High net worth” is now effectively £1m plus once pensions are included, meaning far more families are exposed.
Many people have a patchwork of advice and products that is hard to coordinate, hard to optimise, and hard for executors to manage.

2. From Patchwork Quilt to Fortress Thinking

The goal is to make wealth transfer elegant, organised, and resilient for the next generation.
Kevin frames this as moving from wealth abundance into legacy, with a clear process rather than “hinting” at legacy planning.
WealthBuilders positions itself as the central coordinator, like a “wealth GP”, bringing specialists in when needed.

3. The Seven Integrations (The Fortress Framework)

Tax: proactive “event led” planning, especially inheritance tax, not just annual returns.
Legal: wills, powers of attorney, protection, and avoiding disputes such as contentious probate.
Financial: building wealth is not enough, families need planning for protection and perpetuation too.
Structures: holding companies, family investment companies, trusts, share classes, and intergenerational planning.
SSAS and pensions: using family pension structures, earmarking, and cascading to reduce future inheritance tax impact.
Recurring income: inheritance tax is on capital not income, so understanding income enables smarter gifting.
Legacy: involving the next generation early through trusteeship, shareholding, and participation in the family plan.

4. Record Keeping, Gifting, and the Digital Vault

Families need clear documentation to avoid confusion, delays, and challenges after death.
Kevin highlights using intention and execution records (for example IHT documentation) to reduce HMRC risk.
A digital vault brings tax, legal, financial, structures, and gifting records into one accessible place for executors.

5. Who It’s For and How to Take the First Step

This is application based, limited capacity, and aimed at families typically 55 plus with estates around £1m plus.
It is designed to be implemented over 3 to 5 years, still broken down into manageable steps.
A practical first move is using the free inheritance tax calculator to understand your current exposure.

Actionable Takeaways:

Don’t assume your current advice is joined up, check how tax, legal, financial and structures connect.
Start planning for inheritance tax now, especially with pensions being included from April 2027.
Move from reactive planning to proactive “event led” planning for key life events.
Get your documentation organised and accessible, so executors are not left guessing.
Involve the next generation earlier, so wealth transfer includes wisdom, not just money.
Take the first step by using the IHT calculator and booking a conversation if the fortress approach fits your situation.

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