Financial adviser in Formby
Inheritance tax and retirement planning for Formby and Freshfield, about five miles from our Birkdale office.
Financial planning for Formby
Formby is known for its National Trust pinewoods, red squirrels and long beach, and for some of the most sought-after homes on the Sefton coast. A lot of Formby wealth is in property and pensions built up over long careers in Liverpool and beyond.
That makes inheritance tax a live question here. From 6 April 2027 most unused pensions will be added to the estate. Combined with a valuable home, that can take estates into tax or past the £2 million point where the residence nil-rate band starts to taper away.
This page also covers Freshfield.
- Nearest office
- Birkdale office, about 5 miles from Formby as the crow flies
- Meetings
- At our office by appointment, or by video and phone
- First conversation
- Free, and with no obligation
- Call us
- 01423 611004
What Formby clients usually ask us
- “How much inheritance tax would our children pay?” We start with an honest number, using today’s rules and the 2027 rules side by side. Try our calculator for a first look.
- Gifting during your lifetime Gifts out of surplus income can be immediately exempt if they’re regular and don’t affect your standard of living. Larger gifts fall out of the estate after seven years. We plan both, and keep the records.
- Downsizing Selling the family home doesn’t have to cost you the residence nil-rate band. The downsizing addition can protect it, provided assets of equal value pass to your direct descendants.
Our services in Formby
Financial planning in Birkdale
A plan for the life you want, built around cashflow modelling and reviewed every year. Investments, tax and protection in one place.
Pension planning in Birkdale
Know when you can stop work and what you can spend. We plan contributions, drawdown, transfers and how your pensions sit with the 2027 tax changes.
Inheritance tax planning in Birkdale
Pass on more of what you’ve built. Gifting, trusts, business relief, and what pensions entering the estate from April 2027 means for you.
I have enlisted the help of two leading members of Seventy Financial Planning over the past few years – Chris Riley and Andrew Brierley. Both have been fantastic and relaxed in their friendly Yorkshire manner! In fact all of the team at Seventy are great. Highly recommended.
Seventy brought real clarity to my personal situation, highlighting areas that need attention and which were performing well. I appreciated the genuine desire to understand my personal situation. The unhurried and professional approach made Seventy a pleasure to work with.
My wife and I first contacted Chris at Seventy some 10 years ago. We were very impressed with him and the advice we were given, and have been ever since. It is good to know that our finances are being taken care of by such a competent adviser and I would recommend Chris’s services to anyone.
The team at Seventy Financial Planning have provided my wife and I with invaluable expert advice and support over a number of years. Their services are very professional and first class. I would not hesitate to recommend them to anyone seeking independent financial advice.
Seventy has been a real lifesaver for us. Our investments with a previous firm were rapidly depleting. This would have resulted in severe difficulties for us. Seventy stabilised and grew our investments. That this was achieved in the difficult markets we are seeing is impressive.
Chris from Seventy sat with me and assessed my needs and how risk averse I am. He then provided me with a full review of findings and investment options. I am now in a better financial position than I would have been without his advice and I have been able to take early retirement.
Formby: your questions
How far is Formby from your Birkdale office?
About 5 miles in a straight line. We meet in person or by video.
Can you help with care fees planning?
Yes, as part of your wider plan. We look at how care costs could affect your cashflow and what you want to pass on.
Do I need a will before we start?
No, but we’ll probably recommend reviewing it. Wills and lasting powers of attorney are drawn up by solicitors; we’ll make sure they match the plan.
Nearby
Let’s chat
You’ve learned a little about us, and now we’d like to know a little about you.
Let’s arrange a free, no-obligation call with one of our advisers.
Fill in the form and we’ll be in touch, or simply call us on 01423 611004.