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We create fully personalised strategies based on your individual goals, financial circumstances, and long-term aspirations.
Access a dedicated team of chartered advisers, tax experts, and investment specialists all working collaboratively for your success.
We proactively manage and review your plan, ensuring it adapts to changing markets and your evolving needs.
With Inheritance Tax having the potential to significantly reduce the size of the estate you pass on, it really is so important to plan ahead and make good use of the strategies that are available to help reduce the impact on your loved ones’ inheritance.
Since 1969, Partridge Muir & Warren has been looking after the financial and estate planning needs of individuals, families and business owners Surrey wide. Inheritance Tax planning is one of our core areas of expertise, and we have helped many clients make a difference in terms of maximising what they are able to leave to those who matter to them.
As we are chartered financial planners, our clients know they can rely on our high level of expertise and gold standard service. Our in-house team of dedicated financial, legal, investment and tax planning specialists are ready to take care of each and every aspect of your Inheritance Tax and estate planning needs, and we look forward to taking the time to provide the advice you need. Because here at PMW, preserving the wealth of our clients has always been our core goal.
Our clear and structured process makes it easy to take control of your financial future.
It all begins with a no-obligation meeting to explore your goals and understand how our advice can support your financial future.
We create a personalised financial strategy aligned to your needs – clearly explained and designed to help you make informed decisions.
Once agreed, we put your plan into action and stay by your side – monitoring, refining and guiding you as your life and goals evolve.
Inheritance Tax planning is a very important aspect of estate planning. Consulting with a specialist tax planning expert who knows which strategies can be applied to reduce the Inheritance Tax payable on your estate, you will find that they take unlimited time to thoroughly understand your ultimate wishes for your family, and your individual situation.
We fully appreciate how important it is to you to ensure your family is properly looked after, and you will find us as resolute as you are to achieve your goals. From creating trusts to lifetime gifting; from residence allowance management to property ownership and from charitable legacies to pension strategy, our IHT planners know just how to make use of the various tools available.
If you are keen for your loved ones to enjoy a larger proportion of your estate after you’ve gone, then we are here to make sure that happens.
In terms of Inheritance Tax planning, Surrey-based PMW has been widely recognised for its expertise within the financial planning sector, with a string of awards and repeat accolades to prove it.
The City of London Wealth Management Award for example, presented to us for two consecutive years, acknowledges the quality of service we extend to our clients. In addition, we have been named Wealth Manager of the Year Southern England following votes from our clients and the wider public. We have also been presented with the title of Best UK Independent Adviser by Advisory HQ for the past four years.
Our clients often tell us that the most valuable part of working with PMW is the feeling of being genuinely cared for. It is not just about financial outcomes – it is about trust, peace of mind, and knowing someone is always in your corner.
*To protect the privacy of our clients, names and photos have been changed. However, the testimonials reflect genuine feedback and experiences.
Book your complementary consultation today and discover how we can help protect and grow your wealth with confidence.
From financial planning to wealth management and estate advice, our services are designed to support you at every life stage.
We understand that choosing a financial planning partner and making decisions about your financial future comes with many questions. To help you feel informed and confident, we’ve answered some of the most common queries we receive from new and prospective clients here.
If you have a specific question that you can’t find the answer to, we’d be more than happy to help. Please feel free to contact us directly or book a complimentary consultation to discuss your needs in more detail.
Inheritance Tax (IHT) is a tax payable on the value of a person’s estate when they die. If the value of the estate exceeds the current applicable IHT threshold, also known as the nil rate band, and with exemptions factored in, then IHT will be charged at the prevailing rate.
There are various strategies we can use to reduce the amount of Inheritance Tax your beneficiaries pay. Every situation is different, and because tax legislation is constantly evolving, the advice with which we provide you will be wholly bespoke. We may for example suggest creating trusts, lifetime gifting, making use of the residence allowance, changing the way property is owned or leaving a charitable legacy. These are just some examples of IHT planning strategies.
On your passing, it will be down to your executors to calculate the IHT liability and ensure anything due is paid. The liability will usually need to be paid within six months of the date of death. If it is not, then HMRC will usually apply interest.
At PMW, we have always been committed to providing a transparent and unbiased pricing structure across our complete range of services. With our Inheritance Tax planning advice therefore, you will never find any hidden charges, and you will always be kept fully aware of the costs involved.
Once we have assessed your needs we will arrange an initial meeting at our offices in Esher, Surrey. We can also offer a virtual meeting if this is your preference. The meeting will be with one of our Chartered Financial Planners and will be at our expense (you will not be charged). The purpose of the meeting will be to discuss your circumstances and objectives and understand what we can do to help. Advice will not be provided at your first meeting, although if we believe we can help you to achieve your objectives we will explain your options and outline any costs.
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