"*" indicates required fields
or call +44 (0)1603 672777
Planning wealth transfer with purpose
We help clients think through what passing on wealth really means for them - balancing generosity with independence, family with fairness, and long-term protection with flexibility.
Passing on wealth is one of the most personal financial decisions you’ll ever make. It’s not just about inheritance or tax planning - it’s about ensuring the wealth you’ve created continues to bring security, opportunity, and meaning for the people you care about.
Every family and every legacy is different. Some clients want to help children or grandchildren today, funding education, supporting home purchases, or sharing the rewards of success sooner. Others prefer to plan for wealth to transfer later, in a structured and tax-efficient way.
We take time to understand your wishes, your priorities, and your lifestyle needs before shaping a plan that feels right for you and your family.
We also look at the practical side:
Using cashflow modelling, we explore what you can comfortably give – showing the long-term impact of lifetime gifts or inheritances while keeping your own needs secure.
Our approach brings together financial forecasting, inheritance tax planning, and collaboration with legal and tax specialists to ensure your plan is both efficient and practical.
That might include:
The result is a clear, flexible plan that gives you peace of mind and protects what matters most.
Many families avoid talking about money – but open conversation can prevent misunderstandings and bring generations closer together. We know these conversations go beyond finances. They touch on values, fairness, and the kind of legacy you want to leave behind.
We help you approach these discussions with clarity and sensitivity, so everyone understands both the plan and the purpose behind it. Because successful wealth transfer isn’t just about assets – it’s about understanding, respect, and continuity.
Planning ahead means your wealth can continue to support and inspire long after you’ve stepped back.
With regular reviews, we’ll ensure your plan evolves with changing family needs, legislation, and personal priorities – giving you the confidence that your legacy will endure as you intend.
Why our clients choose Chadwicks ...
Our experience with Chadwicks has been excellent. Radi has worked closely with us to ensure a smooth transition and ongoing relationship, and the team is always quick to respond , I’ve almost got Radi on speed dial! Communication has been clear and effective throughout, and we feel confident knowing Chadwicks is available whenever we need them. Over the past few months, we’ve added further funds and are already considering future planning, including inheritance tax. We’re very happy with the service and have recommended Chadwicks to others.
Rob Smith
From the very beginning, Chadwicks has provided clear guidance and reassurance. They’ve helped me plan the timing and structure of my investments with confidence. We’ve also explored pension planning options, annual contributions, and tax efficiency strategies, all explained in a way that makes complex decisions feel simple and manageable. Communication has been excellent; I always know who to contact, and I appreciate being introduced to additional team members, so I feel supported at every stage. Chadwicks has also taken the time to advise me on sensitive matters with care and professionalism. The settling-in process has been friendly and thorough, and I’ve already recommended Chadwicks to others."
Juliette Hopkins
From the beginning, Chadwicks delivered exactly what was promised, no surprises, just solid, personal service. It’s the kind of firm where you feel like an individual, not a number, and the culture reflects that. Communication is spot on, relevant, timely, and never overwhelming. I trust them to manage my investments without needing to check in constantly, and I’ve even recommended them to friends. I’ve recently asked for help with my daughter financial planning, and I really appreciate their willingness to support us both, even though she’s not yet a client.
Tony Searle
When I set out to find an investment adviser, I thought I needed someone who could talk numbers. The first adviser I met did just that, for two hours straight. But it felt transactional, not personal. Then I spoke to Richard at Chadwicks. We spent two hours talking about my goals, my life, my family, what I wanted, not just my money. The conversation made it clear, I didn’t just want someone to manage my portfolio, I wanted someone who listened. Richard did. That’s why the choice was obvious.
Alison Beech
Chadwicks has made it easy for me to take a hands-off, long-term approach to my investments, which suits me perfectly. I feel well-informed through their regular email update . The team is flexible and accommodating when it comes to scheduling reviews, and while I haven’t taken full advantage of their webinars or social events yet, but hope to soon when my schedule allows.
Alex Robinson
What is intergenerational wealth transfer?
It’s the process of planning how assets are passed from one generation to the next balancing financial, emotional, and tax considerations.
When should I start planning to pass on wealth?
The sooner you start, the more flexibility you have. Early planning allows you to gift strategically and manage inheritance tax efficiently.
How can I pass on wealth while keeping my own security?
We use financial forecasting and cashflow modelling to show how much you can give while protecting your future lifestyle and independence.
Can you help with family discussions about money?
Yes, we often facilitate conversations to ensure intentions are clear and expectations aligned. These discussions help families navigate complex emotions with confidence.
Intergenerational wealth transfer is one of the most important financial conversations you can have. Whether it involves a family business, property, investments, or savings, done well it strengthens family ties, reduces tax liabilities, and ensures your wealth serves a meaningful purpose. Left unaddressed, it can lead to confusion, conflict, and unnecessary costs.
We approach the process with clarity and care. It begins with understanding your goals: what you want your wealth to achieve, who should benefit, and when. From there, we explore practical strategies such as trusts, lifetime gifting, pension planning, and succession planning for business owners. These tools help reduce tax exposure, protect value, and give you greater control over how and when assets are passed on.
Communication is key. Many families avoid talking about money, but open conversations prevent misunderstandings and prepare younger generations. We often facilitate these discussions, ensuring everyone understands the plan and their role within it.
Ultimately, wealth transfer is about shaping the future—not just preserving the past. With the right advice, you can pass on more than assets: you can pass on confidence, opportunity, and purpose.
Do you offer financial planning outside Norwich?
Yes – while we’re based in Norwich, we work with clients across East Anglia, in person and further afield from Lands’ End to John O’Groats online.