I have no hesitation recommending my clients to Mr Allan Ross. He is very professional and works tirelessly to provide appropriate financial advice on inheritance tax tailored to the needs of the individual client.

Jayne Kesbey, Solicitor,
Attwaters Jameson Hill Solicitors

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Estate Planning


Our Financial Planning Team has considerable experience in effective estate planning. Trust us to simplify what can initially appear a complex area, and provide you with financial advice to allow you to make plans for the transfer of your estate after death, and pass on any accumulated wealth to your chosen beneficiaries as tax efficiently as possible.

For many of our clients one of their main financial priorities is to be able to pass on accumulated wealth to the next generation. However with the rise in property prices and investment values, more families find themselves with estates which are potentially liable to Inheritance Tax.

Inheritance Tax is usually paid on an estate when somebody dies, but could be paid on trusts or gifts made during someone's lifetime. Our Financial Advisers will review your personal assets – these include your home, investments, savings and other possessions to check if you will be liable to pay inheritance tax, we can then offer you a tax efficient solution through effective estate planning.

It is never too late to start protecting your estate and set up an estate plan. We check you have the basic estate planning documents set up. We then review your assets and consider the most effective way to leave your estate to your beneficiaries.

Your estate plan could utilise a range of financial products and services including the following:

  • Trusts
  • Gift Allowances
  • Whole of life Insurance
  • Investments offering Business Property Relief
  • Pensions

I have been lucky to have the financial advice of Allan Ross for fourteen years. His well-balanced advice has been specific for my circumstances and has proved to be very successful. Together with Allan over many years I have achieved a very favourable position on Inheritance Tax; he has shown significant expertise and experience in this area. We have worked very well together.”

Mr & Mrs C, Inheritance Tax client, Hertfordshire

The value of investments can fall as well as rise. You may not get back what you invest.

Estate Planning Checklist

  • Have you written a will?
  • Do you have healthcare proxies and power of attorneys in place?
  • Who are your estate beneficiaries?
  • Have you valued your financial assets?
  • Would you consider giving gift allowances in your lifetime?
  • Do you have surplus income?
  • Could you afford to give up access to some of your capital?
  • Do you require a whole of life insurance policy?

Book a Free Consultation

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Wealth Management

Manage accumulated wealth and future income to achieve your long term financial goals. Let us offer you the right services to suit your circumstances, whether you are looking to protect your wealth, invest it to fund your lifestyle, or pass it on in the most effective way.



Estate Planning


11-07-2017

Allan Ross, IFA, Ware - Mitigating Inheritance Tax

This case study considers how to mitigate inheritance tax, it is part of our 'Value of an independent financial adviser' series


26-05-2017

Allan Ross, independent financial adviser Ware qualifies as a Dementia Friend

Allan Ross, Lonsdale Services independent financial adviser in Ware, Hertfordshire recently became a Dementia Friend