Matrix Capital Financial Planning

22/10/2026

An interesting press release from STEP, the professional body for trust and estate practitioners, publishing the results of their survey.

Our MD and lead financial planner, and trust and estate practitioner, Robin Melley, contributed to the article with two anonymised case studies that highlight some of the real life problems associated with the Government’s changes to inheritance tax on pensions, coming into force in April next year.

Anyone with an inheritance tax liability on their estate, that is going to be made worse when pension funds are brought within the taxable estate in April 2027, get in touch to discuss how we might help.

There are straightforward strategies available.

Careful professional estate planning.

06/09/2026

The government’s decision to include unused pension funds in the taxable estate from 6th April next year, will have a significant impact on the level of inheritance tax that will be paid.

It shines a light on the need for professional advice from a STEP qualified Trust and Estate Practitioner (TEP).

We are fortunate to have Robin Melley on our team as the lead financial and STEP qualified trust and estate practitioner.

For anyone with an estate (including pensions) over £1m in value, interested in receiving sound independent professional advice, email Robin at [email protected] or contact us via our website.



Advising Families

02/09/2026

We are extremely proud to announce that our Managing Director, and lead financial planner, Robin Melley has been awarded Fellowship of The CISI.

Robin exemplifies our commitment, as a team, to professional development and demonstrating the highest standards of technical competence and ethical behaviour, with a focus on achieving great outcomes for clients.

Robin is renowned for being modest, so we wanted to publicly recognise this fabulous achievement, which is the highest qualification (with the possible exception of a PhD!) in the profession of financial planning.

He did once say, "please shoot me if I ever suggest doing a PhD." 😆



STEP
Advising Families

01/08/2026

A vulnerable persons trust may be suitable as a means of protecting assets for a family member who needs lifelong support, and protecting the vulnerable persons eligibility for benefits.

They also have a favourable tax treatment, as long as certain conditions are met.

Anyone interested to know more, get in touch with our Trust and Estate Practitioner, Robin Melley, on 01746 712900 or via our website at www.matrixcapital.co.uk

31/07/2026

Interesting little article published by STEP and Advising Families on inheritance tax receipts breaching £7bn for the first time, and rising despite the number of estates paying IHT falling.

It also highlights the impact of business relief (BR) and agricultural property relief (APR) on larger estates.

https://www.step.org/industry-news/uk-iht-liabilities-top-gbp7-billion-first-time

In our experience the best outcomes for affluent families with complex circumstances, are achieved through a collaborative approach between suitably qualified financial planners, such as this practice, and private client lawyers who specialise.

The key reason that lawyers need to work with properly qualified financial planners on estate planning is because it’s the only way of reconciling the inherent conflict between estate planning, retirement planning, later life care planning, catastrophe planning and living a better life now.

At the heart of the planning is accurate analysis and cashflow forecasting 👍

Not leaving estate planning until it becomes urgent is also crucial. Deathbed planning is valuable but we are limited as to what legitimate planning can be implemented.

With IHT on pensions in 9 month’s time, that £7bn is going to increase, but starting now with careful planning will help clients to mitigate the liability on their estates and protect accumulated family wealth for generations to come, without jeopardising their lifetime planning 😊

Get in touch on 01746 712900 or contact us via our website for an initial discussion on estate planning.

23/07/2026

We are delighted to have been shortlisted for the Association of Lifetime Lawyers Twilight Awards.

This is a joint shortlisting with a Shropshire based private client solicitor for collaborative work we undertook to help a client in vulnerable circumstances.

This was professional work we are very proud of because, by working together with a suitably qualified solicitor, we created a great outcome through blending financial planning and legal advice.

The truth is that neither the solicitor nor our team could have achieved what we achieved, working in isolation. The key was collaboration 😊

Anyone having to deal with the complexities of estate planning, later life care and perhaps wanting to leave a valuable legacy, get in touch with our lead financial planner, Robin Melley on 01746 712900 for an initial discussion to see if we can help.

21/07/2026

Our Managing Director, Robin Melley, quoted in today’s Daily Mail on whether an attorney appointed by a lasting or enduring power of attorney can sack the accountant or financial adviser and appoint replacements.



Advising Families STEP

I hold joint power of attorney for a family friend with dementia. She already had an accountant and financial adviser she's known for years. The trouble is neither is any good.

14/07/2026

This article published by Advising Families on vulnerable persons trusts (also known as as disabled persons trusts) can be very valuable to family members who qualify.

They are an alternative way of protecting assets for people in vulnerable circumstances and preserving the value of any means tested benefits.

Get in touch if you need further information by calling our in house Trust and Estate Practitioner, Robin Melley on 01746 712900

25/06/2026

An article written my Robin Melley, published by Advising Families, that will be of interest to anyone grappling with inheritance tax.

The changes to Business Relief, Agricultural Property Relief and the inclusion of pensions in the taxable estate, has shone a light on the need for professional advice

Can you use life insurance to pay an inheritance tax? 🤔
In this article by estate planning specialist Robin Melley TEP from Matrix Capital you can learn more about:
☑️How life insurance can help with inheritance tax
☑️Types of arrangement – whole of life cover and seven-year term policies for gifts
☑️Things to consider – pros and cons of the different options

📖Read more in the article – link in bio.
📞Speak to an estate planning specialist – link in bio.

07/05/2026

https://matrixcapital.zohorecruit.eu/jobs/Careers/92348000000653004/Senior-Financial-Planner?source=CareerSite

Matrix Capital This role is for an experienced Financial Planner who sees financial planning as a profession, not a sales activity. We are seeking a s