Redwood Financial Family Wealth & Estate Planners Ltd

Redwood Financial Family Wealth & Estate Planners Ltd We are a firm of Certified Financial Advisers & Estate Planners based in Hampshire, dedicated to adv This means there is more money for you and your family.

At Redwood, we believe in treating clients as people, not just as a number. This “family” philosophy makes our company unique amongst many other financial advisers and is something we are very proud of. We are a firm of Certified Financial Advisers & Estate Planners and we help clients in two ways, firstly by managing your wealth and secondly by protecting your estate. What makes us different is t

hat we prefer to work with families as we believe helping families is the most important and rewarding thing we can do. Our offices are based between Wickham & Droxford and we help clients predominantly around Portsmouth, Southampton, Petersfield & Chichester, although we have clients throughout Hampshire and West Sussex.

31/08/2026

How Do You Calculate Inheritance Tax in the UK?

Inheritance Tax is usually not 40% of everything you own.

The real question is: 40% of what?

A quick calculation based only on the value of your home can give you false reassurance, or make the potential problem look much worse than it really is.

To estimate a potential Inheritance Tax liability properly, you need to consider the value of your whole Estate. This can include your property, Savings, Investments, possessions, business interests, life policies, Trust interests and certain lifetime gifts.

You then need to consider the allowances, exemptions and reliefs that may be available to you.

The standard Inheritance Tax rate is generally 40% on the taxable value above the available thresholds, not automatically 40% of your entire Estate.

And things such as the residence nil-rate band, transferable allowances between spouses and civil partners, gifts, Trusts, business assets and changing Pension rules can all affect the final position.

So, could your family be facing an Inheritance Tax bill , and is there anything you can do about it?

Come along to our complimentary Wills, Trusts & Estate Planning Seminar on Thursday 17 September to discover more about Inheritance Tax Planning, the allowances and reliefs available, and some of the legitimate Planning strategies that may help you protect more of your wealth for the people you care about.

Your recommended actions....

Arrange an Estate Planning review to estimate your likely Inheritance Tax position and identify planning options before decisions become urgent. https://zurl.co/cS8l7

Join our Free Wills, Trusts & Estate Planning Seminar, 17th September, in Southampton: https://zurl.co/mFNDn

Watch our Wills, Trusts & Estate Planning Webinar at https://zurl.co/gbiDU

31/08/2026

Join Our September Estate Planning Seminar!

Inheritance Tax receipts have soared to a record £8.5bn in the 2025/26 tax year, impacting more families than ever. With Personal Tax Allowances frozen since 2009 and with further changes to Inheritance Tax announced by the government, your Estate may well be at risk!

Join our FREE PUBLIC INFORMATION SEMINAR to learn how to legitimately protect your wealth and ensure a smooth transfer to your children and loved ones. This week's video shows you what to expect from our Seminar.

Event Highlights:
- Real case studies based on Clients we have already helped
- Understanding Inheritance Tax implications
- Exploring exemptions and reliefs
- Strategic Estate Planning Tips

🗓️ Date: Thursday, 17th September 2026
📍 Venue: King's Conference Centre, Hedge End, Southampton, SO30 4BZ
⏰ Time: Morning, Afternoon & Evening Sessions Available

Booking is required!

At Redwood, we believe in empowering you with the knowledge to safeguard your Estate. Our Seminars have already helped thousands, now it's your turn!

👉 Reserve your spot now!
Places are limited and going fast: secure your spot today: https://zurl.co/XVb47

Can't make it in person? Register for our recorded Webinar:

📺 Watch Online https://zurl.co/egFoA

Don't leave your legacy to chance. Act now and ensure your loved ones are protected. See you there! 🌟

29/08/2026

Mirror Wills are simple. But they are not always as protective as people think.

Mirror Wills are two separate Wills that usually contain matching or very similar wishes.

Couples often use them when they want everything to pass to each other first, then to their children or chosen beneficiaries after the second death.

For straightforward family circumstances, that can work well.

The problem is that many people assume a Mirror Will guarantees what happens after the first person dies.

Usually, it does not.

The surviving partner may still be able to change their Will later. That can become especially important in second marriages, blended families, or where there are children from previous relationships.

If you want to understand whether your current Wills give your family the protection you expect, join us at our complimentary Wills, Trusts & Estate Planning Seminar on Thursday 17 September.

We’ll explain how different types of Wills work, where problems can arise, and how careful Estate Planning can help protect the people you care about.

Event Highlights:
- Real case studies based on Clients we have already helped
- Understanding Inheritance Tax implications
- Exploring exemptions and reliefs
- Strategic Estate Planning Tips

🗓️ Date: Thursday, 17th September 2026
📍 Venue: King's Conference Centre, Hedge End, Southampton, SO30 4BZ
⏰ Time: Morning, Afternoon & Evening Sessions Available

Booking is required!

At Redwood, we believe in empowering you with the knowledge to safeguard your Estate. Our Seminars have already helped thousands, now it's your turn!

👉 Reserve your spot now!
Places are limited and going fast: secure your spot today: https://zurl.co/QGUS1

Can't make it in person? Register for our recorded Webinar:

📺 Watch Online https://zurl.co/NDuye

Don't leave your legacy to chance. Act now and ensure your loved ones are protected. See you there! 🌟

Redwood Financial will be closed on Bank Holiday Monday, 31st August. We will reopen at 9 a.m. on Tuesday, 1st September...
28/08/2026

Redwood Financial will be closed on Bank Holiday Monday, 31st August. We will reopen at 9 a.m. on Tuesday, 1st September, ready to help you grow, protect, and enjoy your wealth!

Whatever your plans for what is shaping up to be this Bank Holiday, we wish you all a wonderful weekend!

The Redwood Team

27/08/2026

Crystallising your Pension sounds technical. The decision behind it can be life-changing.

Crystallising your Pension usually means accessing Pension benefits. That could include taking tax-free cash, moving funds into drawdown, buying an annuity, or taking certain lump sums.

It does not always mean cashing everything in. You may be able to crystallise part of a Pension and leave the rest invested.

Tax-free cash can be useful, but it should have a purpose. Taxable Pension income is different and can affect your Income Tax position. Flexibly accessing taxable income can also trigger the Money Purchase Annual Allowance, which may restrict future Pension saving.

The danger is not crystallising your Pension. The danger is crystallising it without knowing what problem you are trying to solve.

Before acting, the Pension should be reviewed alongside Cash Savings, ISAs, Investments, tax, income needs, death benefit nominations and long-term Retirement Planning.

Your recommended actions....

Book a Pension Planning review before crystallising benefits. https://zurl.co/8TDg5

Watch our Pensions and Retirement Planning Webinar at https://zurl.co/bg3rg

Join Our September Estate Planning Seminar!Inheritance Tax receipts have soared to a record £8.5bn in the 2025/26 tax ye...
24/08/2026

Join Our September Estate Planning Seminar!

Inheritance Tax receipts have soared to a record £8.5bn in the 2025/26 tax year, impacting more families than ever. With Personal Tax Allowances frozen since 2009 and with further changes to Inheritance Tax announced by the government, your Estate may well be at risk!

Join our FREE PUBLIC INFORMATION SEMINAR to learn how to legitimately protect your wealth and ensure a smooth transfer to your children and loved ones. This week's video shows you what to expect from our Seminar.

Event Highlights:
- Real case studies based on Clients we have already helped
- Understanding Inheritance Tax implications
- Exploring exemptions and reliefs
- Strategic Estate Planning Tips

🗓️ Date: Thursday, 17th September 2026
📍 Venue: King's Conference Centre, Hedge End, Southampton, SO30 4BZ
⏰ Time: Morning, Afternoon & Evening Sessions Available

Booking is required!

At Redwood, we believe in empowering you with the knowledge to safeguard your Estate. Our Seminars have already helped thousands, now it's your turn!

👉 Reserve your spot now!
Places are limited and going fast: secure your spot today: https://zurl.co/QGUS1

Can't make it in person? Register for our recorded Webinar:

📺 Watch Online https://zurl.co/NDuye

Don't leave your legacy to chance. Act now and ensure your loved ones are protected. See you there! 🌟

20/08/2026

Mirror Wills are simple. But they are not always as protective as people think.

Mirror Wills are two separate Wills that usually contain matching or very similar wishes. They are often used by couples who want everything to pass to each other first, and then to children or chosen beneficiaries after the second death.

For straightforward family circumstances, that can work well.

The misunderstanding is thinking that Mirror Wills are a single joint Will, or that they guarantee what happens after the second death. They usually do not. Each person has their own Will and, while they have capacity, can usually change it. That means the surviving partner may be able to change their Will later.

This matters most in second marriages, blended families, situations involving stepchildren, or where there are children from previous relationships. In those cases, more tailored Estate Planning or Trusts may be needed.

Take Action Today

1. Watch our complimentary Wills, Trusts & Estate Planning Webinar to find out more at: https://zurl.co/tZyrY

2. Ask Redwood to Review your Will and Estate Planning. Request a callback today: https://zurl.co/XAQa4

3. Download our Free Standard & Mirror Wills Limitations Guide: https://zurl.co/NwZGY

4. Read our Mirror Wills Explained blog: https://zurl.co/yTugN

&Trusts

The Lifetime Allowance has gone.But that doesn’t mean Pension tax planning has gone with it.In 2026, the focus has shift...
17/08/2026

The Lifetime Allowance has gone.

But that doesn’t mean Pension tax planning has gone with it.

In 2026, the focus has shifted to new rules around tax-free cash, Lump Sum Allowances and how your Retirement Savings could be passed on.

If you have built up significant Pension savings, are close to retirement, or have several Pension pots, this is worth understanding before you make decisions.

Read our latest blog: The 2026 Lifetime Allowance: 3 Steps to Protect Your Retirement Savings

📝 https://zurl.co/uNL1r

Our Free Pension Planning Webinar is full of information about planning for your retirement. Join today:

🎥 https://zurl.co/yFoP4

13/08/2026

Could your Will accidentally leave your children less protected than you intended?

Second marriages and blended families can make Estate Planning more complicated than many people realise.

A simple Mirror Will may feel fair today, but it does not always protect children from a previous relationship after the first death. The surviving spouse may later change their Will, remarry, fall out with stepchildren, or face very different financial circumstances.

The aim is not to choose one side of the family over another. It is to make sure your wishes are clear, practical and properly protected. In some cases, Trust Planning can help provide for a surviving spouse while preserving assets for children later.

If you have remarried, have stepchildren, or want to protect children from a previous relationship, this is an Estate Planning conversation worth having before anyone is left to guess what you meant.

Take Action Today

1. Watch our complimentary Wills, Trusts & Estate Planning Webinar to find out more at: https://zurl.co/XPc4i

2. Ask Redwood to Review your Will and Estate Planning. Request a callback today: https://zurl.co/wdb0M

&Trusts

Inheritance Tax is usually not charged at 40% on everything. So the real question is: 40% of what? A rough house-value c...
10/08/2026

Inheritance Tax is usually not charged at 40% on everything. So the real question is: 40% of what?

A rough house-value calculation can create false comfort or unnecessary panic.

To estimate Inheritance Tax properly, you first need to value the full Estate. That may include property, savings, investments, possessions, business interests, life policies, Trust interests and certain lifetime gifts.

Then you consider debts, liabilities, allowable expenses, exemptions, reliefs and available nil-rate bands. The standard Inheritance Tax rate is generally 40% on the taxable amount above available thresholds, not automatically on the whole Estate.

The Residential Nil-Rate Band, transferable allowances, gifts, spouse or civil partner exemptions, Trusts, business assets and Pension rules can all affect the result.

A calculation is only as good as the assumptions behind it.

Take Action Today

1. Watch our complimentary Inheritance Tax Planning Webinar to find out more at https://zurl.co/5jsiZ

2. Ask Redwood to Review your Will and Estate Planning. Request a callback today https://zurl.co/4XKoK

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