Flexible, tailored advice

Our team of trusted, experienced and highly qualified advisers are here to help you with your future planning. We offer a high-quality, tailored service that always suits you, for every stage of life that you (and your family) reach.

Retirement Planning


This really is a key area for most people when considering their financial future. It’s also one that’s continually evolving. Since 2014, the Government has made a particular focus of changing, in fact we’d go so far as to say revolutionising, the pensions landscape.

With such fundamental and far‐reaching changes ‐ not to mention the fact that we are, on average living longer and therefore need to make our money work even harder ‐ it more than pays to have access to first‐hand and up‐to‐the‐minute knowledge of the pension scene.

More employees are now paying into a pension scheme after automatic enrolment was phased in from 2012. All eligible workers should have been automatically enrolled in their employer’s workplace pension scheme by 1 February 2018. This doesn’t necessarily mean that you are contributing enough for a comfortable retirement however. Talking through your plans for retirement with a financial adviser can help you feel in control and provide peace of mind.

In April 2015, the tax rules were changed to give people greater access to their pensions. Pension pots may now be easier to access and people have more freedom and choice but that doesn’t mean it’s straightforward. Rules still apply which is why we recommend talking through your options with a qualified financial adviser.

"What we want to avoid, naturally, is for people to strip out their pension fund too quickly, so they’re left with nothing. What’s important is that we keep people in the loop, letting them know what the rules are, and how their decisions will impact them further down the line."‐ Stuart Willson, CEO

Tax Planning/Inheritance Tax Mitigation

This is definitely an area that all adults should be considering when planning their finances. The days when Inheritance Tax (IHT) could reasonably be regarded as affecting only the very wealthy are sadly long gone. These days, property prices alone mean that a good proportion of people in the UK will be above the threshold ‐ officially known as the ‘nil rate band’ ‐ even before the rest of their estate (investments, businesses, life‐insurance payouts, etc.) is counted.

Fortunately, there are many ways to reduce your liability, and with clever management you can find ways that benefit your family both before and after you die ‐ and satisfy your tax obligations, too.

Our specialist knowledge and experience in all areas of tax planning and mitigation means you can rest assured that what’s yours stays, as far as possible, within the family. After all, that’s just how you’d want it, and how it should be.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.

The Financial Conduct Authority does not regulate some forms of tax and Inheritance Tax Planning

Wealth and Asset Management

Wealth management addresses a wide range of issues, from investment planning to deciding how much you need to save in order to retire comfortably. It can also be about dividing up pension entitlements on a divorce or separation, getting the right types and amounts of life and health insurance or estate planning.

Average life expectancy in the UK in 2015 to 2017 was recorded at 79.2 years for males and 82.9 years for females, meaning it’s essential for people to plan their finances so they know they won’t run out of their hard-earned money as they get older.

As wealth managers, we take a holistic view of your finances ‐ reviewing your situation at regular intervals, taking current needs into account and planning for future eventualities.

It’s a continual process that takes all kinds of variables into account, from global events to tax and legislation changes and even the impact of future Brexit negotiations, offering you protection and a reassurance that your finances will serve you well for the rest of your life.

For those who are looking for the potential for capital growth on their life savings or a retirement lump sum, we can offer highly specialised advice from professionals who know the markets inside out.

Source: National life tables 2015-2017

The value of an investment will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

Saving for your children’s future

If you’re thinking about putting some savings by for your children’s or grandchildren’s future, it makes sense to be as tax-efficient as possible, and to start as early as you can. There are a number of ways to make the most of your hard‐earned cash to give them a head start in life.

Our financial advisers will guide you through the options available, whether it’s opening a Junior ISA, setting up a pension or a trust fund, or perhaps making a gift on behalf of a niece, nephew or godchild. We will advise you on the most effective and efficient ways to see your money not only reaches the next generation intact, but that it has the potential to grow in time for when they need it.

The value of an investment will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

The levels and bases of taxation, and reliefs from taxation, can change at any time and are generally dependent on individual circumstances.

Trusts are not regulated by the Financial Conduct Authority

Looking after you and yours

As one of the UK’s most professional, experienced and highly qualified financial planning teams, Willson Grange Limited are here to help you enjoy a secure and worry‐free future. Our service has, since 2000, centred around ‘wealth management’ ‐ offering financial advice that suits your circumstances as your needs change over time. This means we take a completely holistic view of your finances ‐ reviewing your own, personal situation at regular intervals, taking your current needs into account and planning for future eventualities. It’s a continual process that adapts to every stage of your life.

So whether you’re starting a family, running a business, beginning a new venture or thinking about retirement ‐ we can help you to plan for your future and achieve your goals.

How the distinctive approach of Willson Grange Limited benefits you

Father with daughter on his shoulders arms outstretched looking towards  the sunrise

As experienced and qualified independent financial advisers, Willson Grange Limited is able to provide high-quality advice to clients investing for the medium to long term.

Through daily data analysis and by evaluating your situation, we will be able to see whether your resources are working most effectively and appropriately for you.

Seasoned experts continuously review the performance of funds worldwide, and the fund managers’ ability to achieve consistent returns. These reviews can make all the difference… helping you to absorb the effects of uncertainty and increasing the likelihood of you achieving your financial goals.

Some (or all) of the following areas will be used in the mix to tailor a portfolio that’s a perfect match for you:

  • Your risk profile
  • Family protection
  • Savings
  • Investment strategy
  • Tax planning
  • Inheritance tax planning
  • Retirement planning
  • Saving for your children’s future
  • Life assurance
  • Long‐term care
  • Portfolio management
  • Lifetime cashflow forecast

"As we all embark on life in the ‘new normal’ after the global pandemic, our clients can remain rest assured that we continue to have their best financial interests at heart. We continue to evolve our business to serve our clients and we are committed to offering what we believe are the best investment options available. In an ever changing and fast moving global market, taking investment advice from an experienced and qualified financial adviser has never been so important." ‐ Stuart Willson, CEO Willson Grange Limited.

The value of an investment will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

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’Willson Grange Limited have provided my family with a reliable and trustworthy service in IHT planning and the associated investment decisions. I have no hesitation in recommending them to others looking for advice in these areas.’ - P Willan