The Family Wealth Fortress: WealthBuilders' Most Comprehensive Programme Yet

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.
   

Resources & Next Steps:

• WealthBuilders 'The Family Wealth Fortress'
• Download our FREE Pensions and Inheritance Tax Guide
• WealthBuilders Membership: Free access to guides, webinars, and community

 

Connect with Us:

Listen on Spotify, Apple Podcasts, YouTube, and all major platforms.
 

Next Steps On Your WealthBuilding Journey:  

• Join the WealthBuilders Facebook Community
• Schedule a 1:1 call with one of our team
• Become a member of WealthBuilders

If you have been enjoying listening to WealthTalk - Please Leave Us A Review!