Financial adviser in Pateley Bridge & Nidderdale
Financial and inheritance tax planning for Pateley Bridge and Nidderdale, including farm and business succession after the 2026 relief changes.
Financial planning for Pateley Bridge & Nidderdale
Nidderdale is one of Yorkshire’s National Landscapes, with Pateley Bridge at its heart. Farming, tourism and small rural businesses keep the dale going, and a lot of family wealth here is in land, buildings and the business itself rather than in the bank.
That kind of wealth is harder to plan with. It isn’t easy to sell a field to pay a tax bill, and the reforms to agricultural and business relief from April 2026 mean some families now face a liability that didn’t exist before. Good planning can usually reduce it a long way.
- Nearest office
- Harrogate office, about 14 miles from Pateley Bridge & Nidderdale 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
Planning for Nidderdale families and businesses
- Know your number We work out what your estate is worth for inheritance tax, how much the £2.5 million relief allowance covers, and what’s left. Many families are better placed than they fear; some need to act.
- Holiday lets and diversification Barns turned into holiday lets, campsites and farm shops may not qualify for relief in the same way as the farm itself. We flag where your accountant should look closely.
- Paying any tax that is due Tax on qualifying farm and business assets above the allowance can usually be paid in instalments over ten years, interest-free. Life cover written in trust can also fund it without selling land.
Our services in Pateley Bridge & Nidderdale
Financial planning in Harrogate
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 Harrogate
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 Harrogate
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.
Pateley Bridge & Nidderdale: your questions
Is Pateley Bridge too far for you?
No. It’s about 14 miles from our Harrogate office, inside the area we focus on. We meet in person or by video.
Can you help with holiday let income?
We include it in your plan and cashflow. The tax treatment of the let itself is one for your accountant, and we’ll coordinate with them.
What is the inheritance tax rate on farmland above the allowance?
Above the £2.5 million allowance, qualifying assets get 50% relief, which means an effective inheritance tax rate of 20% on that portion rather than 40%.
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.