Plan today.
Protect tomorrow.
Understand your estate, identify potential inheritance tax concerns, and make things simpler for the people you care about most.
Free Inheritance Tax Check
Find out whether your estate may need attention and understand the areas worth discussing with an experienced adviser.
Double Adviser Review
Every will reviewed by two qualified advisers before print.
20 Years Experience
In UK financial services
UK Focused
Tailored for British estates
Video or Phone
Conducted comfortably at home
Dual-Adviser Check
Every will thoroughly checked
What happens to everything you’ve built?
You have spent decades building your family, your home, and your financial security. It makes complete sense to understand what happens to it next.
Many UK families have accumulated significant assets over a lifetime: a family home, pensions, ISAs, savings accounts, and life protection policies. Yet, they have rarely looked at all of these elements in one single, coordinated view.
Often, people put off estate planning because they assume it requires coordinating several independent professionals — a local solicitor for a will, an independent financial adviser for pensions, and an insurance broker for life policies.
“Estate planning works best when all the pieces are considered together, sparing your loved ones unnecessary stress, confusion, and delay.”
What most people have gathered over the years:
A Family Home
Often the main contributor to surpassing UK IHT thresholds.
Work & Private Pensions
Separate rules apply to pension death benefits.
ISAs & Savings Accounts
ISA tax advantages change upon death without proper planning.
Protection Policies
Policies not written in trust may unnecessarily inflate estate value.
Outdated Wills
Drafted years ago before family growth or legislative shifts.
Missing Power of Attorney
Leaving spouses unable to manage finances if health declines.
The Bigger Picture: Your Estate as One Cohesive Whole
Estate planning works best when all the pieces are considered together. Explore how each element connects to the health of your overall estate.
Property
Your main residence, buy-to-let investments, or holiday cottages.
Key Question an Estate Connect Adviser Explores:
“Will the Residence Nil-Rate Band apply to pass the home to direct descendants?”
Why Looking at this in Isolation Fails:
Property values frequently push UK estates above the nil-rate threshold.
How this connects to the rest of your estate:
Could your estate face an inheritance tax bill?
UK inheritance tax rules have grown more intricate, with frozen thresholds and rising property values drawing more families into scope. Our free check gives you clarity on where you stand.
Identify Potential Liabilities
We look at the combined estimated value of your home, pensions, investments, and protection to see if you exceed standard nil-rate bands.
Highlight Areas for Discussion
Understand opportunities such as lifetime gifting allowances, trust structures, or reviewing insurance policies that may inadvertently be taxable.
Simplify Life for Executors
Learn practical measures that prevent delays during probate, making it straightforward for your chosen executors and family to carry out your wishes.
Reassurance: No obligation. Educational and informative. This service helps you recognise whether your estate needs further planning and is subject to appropriate adviser and compliance review. We do not provide automated or unqualified tax guarantees.
How it works
Organising your estate shouldn’t feel like an administrative maze. Here is our transparent four-step journey.
Tell us a little about your situation
Complete our quick 60-second online qualification. Share basic details about your home ownership, approximate estate scale, and family priorities.
Discuss your property, pensions & savings
Join a relaxed 30-minute consultation via phone or secure video. We review existing arrangements and identify gaps without any pushy sales tactics.
Understand areas that need attention
We present a crystal-clear summary of areas where planning could shield family wealth, reduce executor friction, or avoid probate bottlenecks.
Put appropriate arrangements in place
From single or mirror wills reviewed by two advisers to lasting powers of attorney and trust protection, your family's future is systematically secured.
Estate planning.
Without the runaround.
Why coordinate three separate professionals when you can have a seasoned advisory team connect all the dots in one place?
Holistic
We look beyond a basic off-the-shelf will to examine how property, pensions, savings, and protection mesh together into one unified picture.
Experienced
Founded by Jonny with 20 years of experience in UK financial services, bringing depth, composure, and practical wisdom to every conversation.
Convenient
No parking stress or stiff law-firm offices. Consultations are delivered comfortably by video or phone at a time that suits you and your family.
Carefully Reviewed
Every single will is rigorously reviewed by two separate qualified advisers before it goes to final print, ensuring complete accuracy and legal clarity.
Family Focused
Our overarching objective is to make the future significantly easier, faster, and less stressful for your surviving loved ones and appointed executors.
Our Estate Planning Services
Bespoke arrangements structured to give you absolute peace of mind and simplify life for your executors.
Wills & Mirror Wills
Single wills, mirror wills for couples, and property protective trusts.
Ensure your assets pass exactly where you wish. Includes guidance on appointing suitable guardians for minors, protecting against sideways disinheritance, and nominating capable executors. Every will is reviewed by two advisers before final signature.
Lasting Power of Attorney
Property & Financial Affairs and Health & Welfare LPAs.
Give trusted family members or partners legal standing to handle bank accounts, mortgages, utility bills, and crucial medical choices should unforeseen illness or mental incapacity arise. Without LPAs, families face expensive Court of Protection delays.
Inheritance Tax Review
Understand your potential exposure and whether planning is advised.
Assess how current nil-rate bands (£325k standard plus up to £175k residence band) map against your estate value. Identify options such as gifting strategies, spousal exemptions, and legitimate estate structuring.
Protection & Policies
Review existing life insurance to ensure policies don't add to your tax bill.
Many people hold life policies that are not written in trust. Upon death, the payout enters the estate, incurring up to 40% tax and probate delay. We review and align your life cover with modern trust structures.
Pension Considerations
Understand how workplace and private pensions fit into your wider estate.
Pensions carry distinct tax rules upon death and generally bypass probate if nominated correctly. We verify that your Expression of Wish forms reflect your current family circumstances and marital status.
ISAs & Savings
Preserve tax-free allowances and plan smooth transfer to spouses or heirs.
Examine how cash and stocks & shares ISAs interact with the Additional Permitted Subscription (APS) allowance for surviving spouses, ensuring valuable ISA benefits are not inadvertently forfeited.
Real situations. Real planning decisions.
Every family's circumstances are unique. Here are two real-world examples illustrating how holistic advice brought measurable clarity.
Restructuring an Equity Release Arrangement
Situation: A client had entered into an equity release arrangement on their family home, which was generating compounding interest costs and steadily reducing the eventual equity left for their children.
The Advisory Approach: Rather than viewing the equity release in isolation, Jonny explored the wider family picture. The advice resulted in the consideration of an appropriate whole-of-life policy.
The Outcome: This reduced the ongoing monthly burden and created a clear mechanism for the children to inherit the property without the same crippling loan attached upon succession.
Updating an Outdated Critical Illness Policy
Situation: A homeowner held a five-year-old life and critical illness policy, assuming their family was comprehensively protected against severe health setbacks.
The Advisory Approach: During the holistic review, their policy terms were audited. The existing cover contained outdated, restrictive cancer definitions that might have failed to pay out under contemporary clinical diagnoses.
The Outcome: A modern replacement arrangement was sourced offering significantly enhanced clinical definitions and broader protection — delivered at a lower monthly premium.
20 Years
In UK Financial Services
Why Estate Connect exists
After two decades working across the UK financial services landscape, Jonny noticed a persistent disconnect that repeatedly caused families unnecessary stress.
Solicitors, mortgage advisers, pension specialists, and insurance brokers almost always worked in silos. A client might have had a will drafted by a local solicitor, only for that solicitor to have zero visibility of whether their life policies were written into trust or how their private pension nominations were recorded.
Families who received comprehensive, holistic guidance in one sitting walked away far better organised. Crucially, when the inevitable day arrived, their executors and children had an infinitely clearer, simpler path to follow.
“Our mission at Estate Connect is straightforward: help you understand the full expanse of your estate today, so your family isn't left guessing tomorrow.”
— Jonny, Founder of Estate Connect
Is this the right time to review your estate?
Our advisory process is specifically tailored for UK homeowners and families with assets to protect.
This review will be especially valuable if you:
You may have more to consider than you think
The difference between writing a standalone will and undertaking a comprehensive estate review.
What people often think estate planning means:
- ✕ Leaves life insurance outside trusts to face potential 40% tax.
- ✕ Ignores what happens if you suffer incapacity before death (no LPA).
- ✕ Fails to coordinate pension death benefit expressions.
- ✕ Leaves family home vulnerable to care fee or sideways inheritance risks.
What a wider estate review actually considers:
- Wills & Mirror Wills: Drafted with precision, checked twice.
- Lasting Power of Attorney: Protection for health and finances.
- Property Protection: Nil-rate residence allowances applied correctly.
- Pensions & ISAs: Death benefit nominations verified and protected.
- Protection in Trust: Payouts kept outside taxable estate.
Start with your free inheritance tax check
Provide a few basic details so we can understand the outline of your estate before we speak. No pressure, no pushy sales, and zero obligation.
Why we ask about property & value:
UK inheritance tax thresholds start at £325,000 (£175,000 main residence allowance). Knowing your approximate range allows us to prepare relevant discussion points.
Strict Privacy & Discretion
Your details are handled with complete confidentiality in accordance with UK data privacy laws.
What to expect from your consultation
We want you to feel relaxed and completely prepared before we speak.
What we’ll discuss
- • Your property & estimated value
- • Any existing wills or lack thereof
- • Pensions, savings & investments
- • Family situation & intended beneficiaries
- • Specific concerns about probate or IHT
What you don’t need to do
You do NOT need to study inheritance tax law, dig out complex historical deeds, or have perfect documentation ready. An informal overview is all we need for our first educational session.
What happens afterwards
If further planning is appropriate, your adviser will clearly explain the options, costs, and next steps. If your existing setup is already in great order, we will gladly confirm that too.
Your next step is simple.
Choose a convenient time to speak with an Estate Connect adviser about your situation.
No software install required for video. Phone calls use standard UK landline/mobile.
Frequently Asked Questions
Everything you need to know about our free check and holistic estate advisory.
Make tomorrow easier for the people you care about.
Take the first step by understanding your estate today. Request your complimentary inheritance tax check with Jonny and the Estate Connect advisory team.
UK-focused • 20 years financial services experience • Dual-adviser reviewed wills