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# Wingate Financial Planning

## Sitemaps
- [XML Sitemap](https://wingatefp.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Is your old company pension still working for you?](https://wingatefp.com/blog/is-your-old-company-pension-still-working-for-you/): If you have worked for a few different companies over the years, you may have old group personal pension plans that you are no longer paying into and may not have looked at for some time. Many of these older pensions have lifestyle funds which automatically change how your money is invested as you get closer to the retirement age held on the plan. Depending on the plan, this can start several years before the selected retirement age, sometimes five or even ten years before.
- [Pension or Mortgage: Which Should You Prioritise?](https://wingatefp.com/blog/pension-or-mortgage-which-should-you-prioritise/): One of the most common goals I hear people talk about is to become mortgage-free for retirement.
- [When did you last review your inheritance tax position?](https://wingatefp.com/blog/when-did-you-last-review-your-inheritance-tax-position/): Inheritance tax planning is not something that should be looked at once and then forgotten about.
- [Would Your Family Be Able to Find Your Financial Life?](https://wingatefp.com/blog/would-your-family-be-able-to-find-your-financial-life/): One thing that often surprises me when meeting new clients is just how many pensions, savings accounts and investments they have accumulated over the years. This is rarely a deliberate strategy but happens over time.
- [Considering an Employee Ownership Trust? Don’t Forget Your Own Financial Plan](https://wingatefp.com/blog/considering-an-employee-ownership-trust-dont-forget-your-own-financial-plan/): If you have spent years building a successful business, deciding how and when to step away can shape the future of both the business and your own future. Selling to an Employee Ownership Trust (EOT) may offer a way to pass the business on, but the deal must also give you enough financial security for the next stage of your life.
- [Wingate shortlisted for Large Business of the Year at the Surrey Business Awards 2026](https://wingatefp.com/blog/wingate-shortlisted-for-large-business-of-the-year-at-the-surrey-business-awards-2026/): We’re delighted to announce that Wingate has been shortlisted for Large Business of the Year at the Surrey Business Awards 2026.
- [Inheritance tax on pensions and Andy Burnham’s care reforms: What should you be doing?](https://wingatefp.com/blog/inheritance-tax-on-pensions-and-andy-burnhams-care-reforms-what-should-you-be-doing/): From 6 April 2027, unused pension funds will form part of an individual's estate for inheritance tax purposes.
- [Pension Consolidation: It’s Not Just About You](https://wingatefp.com/blog/pension-consolidation-its-not-just-about-you/): When I sit down with clients, pension consolidation is a topic that comes up quite regularly.
- [Can I Give Away My Assets to Avoid Paying Care Fees?](https://wingatefp.com/blog/can-i-give-away-my-assets-to-avoid-paying-care-fees/): This is a question I encounter regularly when discussing later-life financial planning with clients.
- [The Unexciting Part of Building Wealth](https://wingatefp.com/blog/the-unexciting-part-of-building-wealth/): Most of the people we advise are approaching retirement, often within the final ten years of their working lives.
- [What Going Through Probate Taught Me](https://wingatefp.com/blog/what-going-through-probate-taught-me/): Probate has a reputation for being complicated, stressful and time-consuming. Having recently been involved in an application myself, I was prepared for a lengthy process with plenty of administration.
- [If Care Becomes Free at the Point of Need, Does That Mean Nobody Pays?](https://wingatefp.com/blog/if-care-becomes-free-at-the-point-of-need-does-that-mean-nobody-pays/): Andy Burnham has recently reignited the debate around social care, arguing that care should be ‘free at the point of need’, much like the NHS. Recent reports suggest he remains supportive of a National Care Service approach and regards social care reform as a major priority.
- [How Are Pension Inheritance Tax Changes Increasing the Burden on Personal Representatives?](https://wingatefp.com/blog/how-are-pension-inheritance-tax-changes-increasing-the-burden-on-personal-representatives/): From 6 April 2027, one of the most significant changes to estate administration in recent years will take effect. Pension funds will be included in the Inheritance Tax (IHT) calculation. This will mean that personal representatives (PRs) will play a much more prominent role in administering estates.
- [Can I give children or grandchildren an allowance?](https://wingatefp.com/blog/can-i-give-children-or-grandchildren-an-allowance/): Clients often ask: should or could I be giving money regularly to children or grandchildren?
- [Is an annuity right for you?](https://wingatefp.com/blog/is-an-annuity-right-for-you/): For many years, annuities have not been the first choice when planning for income in retirement. However, as annuity rates have improved, I have noticed more clients asking whether they could or should play a role in their retirement plans.
- [Wingate Retains Investors in People Platinum Accreditation for Third Consecutive Time](https://wingatefp.com/blog/wingate-retains-investors-in-people-platinum-accreditation-for-third-consecutive-time/): We're delighted to announce that Wingate has retained its Investors in People Platinum accreditation, the third consecutive time we have achieved the highest standard available.
- [Using a Loan Trust for Inheritance Tax Planning](https://wingatefp.com/blog/using-a-loan-trust-for-inheritance-tax-planning/): In a previous article, we explored how a Discounted Gift Trust can help reduce an Inheritance Tax (IHT) liability whilst retaining a fixed level of withdrawals for life.
- [Cash ISA changes 2027: why investments do not always belong in an ISA](https://wingatefp.com/blog/cash-isa-changes-2027-why-investments-do-not-always-belong-in-an-isa/): The cash ISA limit for under-65s is due to fall from 6 April 2027. From that date, the amount that can be paid into cash ISAs each tax year is due to fall to £12,000, while the overall ISA allowance remains £20,000.
- [Why Tax Feels Different These Days](https://wingatefp.com/blog/why-tax-feels-different-these-days/): You might expect that if tax rates have not gone up, the amount of tax you pay should feel broadly the same. This is not always the case.
- [Do I Need a Power of Attorney?](https://wingatefp.com/blog/do-i-need-a-power-of-attorney/): Whilst you may not think you ever will, the simple answer to this question is yes.
- [Pensions and the Residence Nil Rate Band: A Risk Worth Understanding](https://wingatefp.com/blog/pensions-and-the-residence-nil-rate-band-a-risk-worth-understanding/): The residence nil rate band is often assumed to be a fixed part of inheritance tax planning. In reality, it is one of the most fragile allowances once estate values approach key thresholds.
- [Planning for a Long Retirement: Why Age 100 Matters](https://wingatefp.com/blog/planning-for-a-long-retirement-why-age-100-matters/): Better your money outlives you than vice versa.
- [What Are Company Earnings?](https://wingatefp.com/blog/what-are-company-earnings/): Company earnings are simply the profits businesses make, and when earnings are growing, it usually means companies are trading well and demand for their products or services remains strong.
- [Retirement is where good planning matters the most](https://wingatefp.com/blog/retirement-is-where-good-planning-matters-the-most/): A common assumption when thinking about retirement is “I’ll just take my pension when I need it.” This sounds reasonable; your pension exists for that. But in practice, how your income is structured is more complex, and it can make a big difference between a stressful or worry-free retirement.
- [Using a Discounted Gift Trust for Inheritance Tax planning](https://wingatefp.com/blog/using-a-discounted-gift-trust-for-inheritance-tax-planning/): Inheritance Tax (IHT) planning is becoming increasingly important, particularly in light of the continued freezing of nil-rate bands until 2031 and the government’s proposals to bring unused pension funds into the scope of IHT from April 2027.
- [Pensions, charitable giving and the 36% inheritance tax rate](https://wingatefp.com/blog/pensions-charitable-giving-and-the-36-inheritance-tax-rate/): Most people reading this will already be aware of the broad direction of travel. From 6 April 2027, unused pension funds are expected to become subject to inheritance tax as part of a deceased person’s estate, following the draft legislation and technical notes published by the government and HMRC.
- [You may be losing some tax-free pension allowance without realising it…](https://wingatefp.com/blog/you-may-be-losing-some-tax-free-pension-allowance-without-realising-it/): In April 2024, the Lifetime Allowance was abolished. Previously, this was the maximum you could save into a pension without incurring a tax charge. With this change in legislation, new limits on how much tax-free cash can be taken from pensions were introduced. This impacts both the Lump Sum Allowance, which caps the total tax-free cash available during your lifetime, and the Lump Sum Death Benefit Allowance, which limits the amount that can be paid tax-free on death.
- [Why missing just a few days in the market can damage long-term returns](https://wingatefp.com/blog/why-missing-just-a-few-days-in-the-market-can-damage-long-term-returns/): When markets are volatile, it is natural to feel anxious. Sharp falls are newsworthy and the instinct to do something, such as sell and move to perceived safer investments, can be strong. However, one aspect of investing is that long-term returns are driven by a surprisingly small number of days. For most of the time, markets tend to move in narrow bands.
- [Property versus portfolios: diversification, tax and the risks people underestimate](https://wingatefp.com/blog/property-versus-portfolios-diversification-tax-and-the-risks-people-underestimate/): Most debates about property versus investing start with the wrong question. They argue about which asset “did better” over the last 10 or 20 years. I’ve never found that especially helpful. Past returns are messy, highly sensitive to timing, and almost guaranteed not to repeat in the same way.
- [Why it is important to take a long-term view on rising costs](https://wingatefp.com/blog/why-it-is-important-to-take-a-long-term-view-on-rising-costs/): Energy costs no longer feel like a background expense. For many, they have become unpredictable and difficult to plan for, shaped by global events – including the sad ongoing situation in the Middle East – that are well beyond our control.
- [Is a Financial Adviser Worth It? Quantifying the Real Value of Advice](https://wingatefp.com/blog/is-a-financial-adviser-worth-it-quantifying-the-real-value-of-advice/): Historically, financial advice was often centred on products and transactions. Advisers would recommend funds, switches or investment ideas, with success commonly judged by whether those choices delivered higher returns than the market.
- [Why It Is Time to Review Your Pensions Before 2027](https://wingatefp.com/blog/why-it-is-time-to-review-your-pensions-before-2027/): Most people end up with more than one pension over the years. Changing jobs, auto enrolment and older workplace schemes all contribute, and it is not unusual for a few pensions to be sitting quietly in the background.
- [What happens to a pension on divorce?](https://wingatefp.com/blog/what-happens-to-a-pension-on-divorce/): I’ve recently been advising a client who is going through a divorce just a few years before retirement. For privacy reasons the details have been removed, but her situation is very typical of what many people experience. She is now at the stage of deciding how the pension should be divided and we are working closely with her to model different outcomes.
- [Pensions and retirement are not “cliff-edge” moments](https://wingatefp.com/blog/pensions-and-retirement-are-not-cliff-edge-moments/): It is still common for personal pensions to be seen as something that “activates” on the day of retirement, or retirement itself as a one-time “cliff-edge” event. This is understandable given the potential complexity around pensions, but it does not need to be the case. Misconceptions around pensions can have damaging consequences, for example, withdrawing tax-free cash too early, or all at once, if this is not what you actually need. A large sum of money withdrawn at once may not be the right outcome at the right time for you; for example, it reduces the amount your pension grows for your future.
- [Why Choosing a Chartered Financial Planner Matters in Retirement](https://wingatefp.com/blog/why-choosing-a-chartered-financial-planner-matters-in-retirement/): As you move into retirement, the choices you make around your finances can shape the next twenty or thirty years of your life. Working with a Chartered Financial Planner gives you the reassurance that your advice comes from someone committed to putting your interests first, acting ethically and maintaining the highest professional standards.
- [What is your “age and stage”?](https://wingatefp.com/blog/what-is-your-age-and-stage/): In recent weeks I have been attending a series of parents’ evenings and something which has come up regularly is the concept of “age and stage”. I had not come across this concept before, but it is shorthand for understanding that some behaviours and actions which children take can be preordained, perfectly natural and in common with their peers. So, no need to worry!
- [Aegon’s potential sale: what should private clients do?](https://wingatefp.com/blog/aegons-potential-sale-what-should-private-clients-do/): Recent reports suggest that Aegon may sell its UK business, with several large financial institutions believed to be considering bids. For clients with pensions or investments on the Aegon platform, news like this can understandably raise questions.
- [Dividend Tax Increase – What Is the Impact?](https://wingatefp.com/blog/dividend-tax-increase-what-is-the-impact/): A 2% increase to the basic and higher rates of dividend taxation is expected to come into effect from April 2026. The basic rate will increase to 10.75% (from 8.75%) and the higher rate to 35.75% (from 33.75%).
- [Financial vulnerability beyond health: recognising risk during major life changes](https://wingatefp.com/blog/financial-vulnerability-beyond-health-recognising-risk-during-major-life-changes/): When people talk about financial vulnerability, the focus is usually on health, age, or cognitive decline. Those situations matter and deserve careful attention. In day-to-day financial planning, though, they are not where vulnerability most often appears.
- [Care fees – Self-funders and Powers of Attorney](https://wingatefp.com/blog/care-fees-self-funders-and-powers-of-attorney/): Taking on the responsibilities of a Power of Attorney (PoA) for an elderly parent or relative often means making complex decisions at emotionally challenging times. One of the most significant responsibilities is managing the cost of care fees when your loved one is classed as a self-funder. That is, they are required to pay for their own care rather than relying on the local authority.
- [Should You Consider a Lifetime Pension Annuity?](https://wingatefp.com/blog/should-you-consider-a-lifetime-pension-annuity/): For many people approaching or entering retirement, one of the most important financial decisions is how best to turn a pension pot into a reliable income. For clients with significant pension funds (£500,000 or more alongside other investments and cash savings) this decision becomes even more strategic.
- [UK savings interest tax: why paying gross no longer works in a 4% world](https://wingatefp.com/blog/uk-savings-interest-tax-why-paying-gross-no-longer-works-in-a-4-world/): In 2016 the government reversed the long-standing system of banks deducting basic-rate tax from interest before paying it out. Interest began to be paid gross, and the change was presented as simplification. In practice, it was a cheap way of making people feel a little better off at a time when interest rates were close to zero and the Personal Savings Allowance covered almost everyone. With negligible returns, there was little tax at stake and it suited the Treasury to give people the sense of tax-free growth without actually giving anything away.
- [Four Good Reasons to Consider Taking Your Pension Tax-Free Lump Sum (That Have Nothing To Do With The Budget)](https://wingatefp.com/blog/four-good-reasons-to-consider-taking-your-pension-tax-free-lump-sum-that-have-nothing-to-do-with-the-budget/): In what has become an annual (or more frequent) event there’s been speculation about possible Budget changes to pensions. Whatever happens in future Budgets, there are sound, personal reasons why some people may choose to take their pension tax-free cash. Below are four examples we see in practice - and none rely on second-guessing the Chancellor's plans!
- [Making pension contributions as a business owner](https://wingatefp.com/blog/making-pension-contributions-as-a-business-owner/): When you are busy building your business, it is easy to put your own finances to one side. Taking the time to create a clear plan that connects your business goals with your personal future can give you confidence that all your effort will pay off in the long run.
- [Wingate Financial Planning Wins Best Retirement Advice Firm at the Money Marketing Awards 2025](https://wingatefp.com/blog/wingate-financial-planning-wins-best-retirement-advice-firm-at-the-money-marketing-awards-2025/): We are proud to share that Wingate Financial Planning has been named Best Retirement Advice Firm at the Money Marketing Awards 2025.
- [Retirement Planning: Beyond the Numbers](https://wingatefp.com/blog/retirement-planning-beyond-the-numbers/): For many professionals and business owners, retirement is seen as a reward for decades of hard work and success. But once the financial planning is in place and “The Plan” is in action, another set of questions begins to emerge. Who am I without my work? What will give my life purpose now? How will my relationships—family, friends, former work colleagues—evolve? Retirement is not a single moment; it is a journey made up of evolving chapters.
- [Flying Like the Eagles: Why Focusing on the Right Moves Beats Chasing the Score](https://wingatefp.com/blog/flying-like-the-eagles-why-focusing-on-the-right-moves-beats-chasing-the-score/): When Oliver Glasner stood in the dressing room after Crystal Palace’s Community Shield win over Liverpool, he didn’t praise his players for the three points or the trophy. Instead, he congratulated them for something deeper: sticking to the plan, executing the right moves, and showing discipline and belief even when the scoreboard wasn’t in their favour.
- [The Importance of Regular Financial Reviews and a Stable Working Relationship with your Financial Planner](https://wingatefp.com/blog/the-importance-of-regular-financial-reviews-and-a-stable-working-relationship-with-your-financial-planner/): As you move through retirement or begin to prepare for it, staying on top of your finances becomes increasingly important. One of the best ways to do this is by maintaining a consistent relationship with your financial adviser. Rather than dipping in and out or changing advisers frequently, staying connected with one trusted professional can make a real difference in your financial confidence and long-term planning.
- [How cashflow planning can prevent common retirement mistakes](https://wingatefp.com/blog/how-cashflow-planning-can-prevent-common-retirement-mistakes/): Retirement should be a time to enjoy the freedom you have worked so hard for – not a time of financial stress. Yet many people in the UK face challenges in retirement due to a few avoidable planning mistakes.
- [Managing the Rising Cost of Living in the Southeast](https://wingatefp.com/blog/managing-the-rising-cost-of-living-in-the-southeast/): The Southeast of England offers a high quality of life, but it is also one of the most expensive regions in the UK. For those aged sixty and above, especially those in or approaching retirement, rising prices can put pressure on fixed incomes, pension pots, and long-term financial plans.

## Pages
- [FAQs](https://wingatefp.com/faqs/)
- [Our Infinite Purpose](https://wingatefp.com/about-us/our-infinite-purpose/): Home /
- [Client Portal](https://wingatefp.com/client-portal/): Accessible via mobile, tablet, desktop and laptop, our Client Portal is an easy to navigate interface where you can engage with your financial information and interact directly with us through secure messaging.
- [Careers](https://wingatefp.com/careers/): Home /
- [Our Approach](https://wingatefp.com/our-approach/): Home /
- [Contact Us](https://wingatefp.com/contact/): Home /
- [Opinions & Insights](https://wingatefp.com/blog/): Home /
- [Awards & Accreditations](https://wingatefp.com/professional-excellence/awards-accreditations/): Home /
- [Professional Excellence](https://wingatefp.com/professional-excellence/): Home /
- [About Us](https://wingatefp.com/about-us/): Home /
- [Home](https://wingatefp.com/): https://vimeo.com/275646365/849527b0e2

## Our People
- [Alistair Cunningham](https://wingatefp.com/our-people/alistair-cunningham/)
- [Peter Magliocco](https://wingatefp.com/our-people/peter-magliocco/)
- [Simon Moore](https://wingatefp.com/our-people/simon-moore/)
- [Matthew Bond](https://wingatefp.com/our-people/matthew-bond/)
- [Paul Stevens](https://wingatefp.com/our-people/paul-stevens/)
- [Luke Harris](https://wingatefp.com/our-people/luke-harris/)
- [Will Worsley](https://wingatefp.com/our-people/will-worsley/)
- [Denise Key](https://wingatefp.com/our-people/denise-key/)
- [Chantelle Bristow](https://wingatefp.com/our-people/chantelle-bristow/)
- [Harry Colegate](https://wingatefp.com/our-people/harry-colegate/)
- [Tom Reeve](https://wingatefp.com/our-people/tom-reeve/)
- [Oliver Cottingham](https://wingatefp.com/our-people/oliver-cottingham/)
- [Elaine Hogan](https://wingatefp.com/our-people/elaine-hogan/)
- [Jo Johnson](https://wingatefp.com/our-people/jo-johnson/)
- [Ashley Mount](https://wingatefp.com/our-people/ashley-mount/)
- [Rhianna Skinner](https://wingatefp.com/our-people/rhianna-skinner/)
- [Paul Weeks](https://wingatefp.com/our-people/paul-weeks/)
- [Ben Clarke](https://wingatefp.com/our-people/ben-clarke/)
- [Lorraine Hedman](https://wingatefp.com/our-people/lorraine-hedman/)
- [Clare McBarron](https://wingatefp.com/our-people/clare-mcbarron/)
- [Rebecca Swan](https://wingatefp.com/our-people/rebecca-swan/)
- [Natalie Harmer](https://wingatefp.com/our-people/natalie-harmer/)
- [Heather Reid](https://wingatefp.com/our-people/heather-reid/)
- [Robert Hewlett](https://wingatefp.com/our-people/robert-hewlett/)
- [Tracy Hepher](https://wingatefp.com/our-people/tracy-hepher/)
- [Alex Webb](https://wingatefp.com/our-people/alex-webb/)

## Awards & Accreditations
- [BEST ESG ADVICE FIRM (Shortlisted) 2021](https://wingatefp.com/blog/award_accreditation/best-esg-advice-firm-shortlisted-2021/)
- [FT Adviser Top 100 Financial Advisers 2018](https://wingatefp.com/blog/award_accreditation/ft-adviser-top-100-financial-advisers-2018/)
- [BEST RETIREMENT ADVICE FIRM (Shortlisted) 2021](https://wingatefp.com/blog/award_accreditation/best-retirement-advice-firm-shortlisted-2021/)
- [Professional Adviser Firm of the Year (South East) 2019](https://wingatefp.com/blog/award_accreditation/professional-adviser-firm-of-the-year-south-east-2019/)
- [FT Adviser Top 100 Financial Advisers 2019](https://wingatefp.com/blog/award_accreditation/ft-adviser-top-100-financial-advisers-2019/)
- [Best Individual Pensions Advice Firm of the Year Award](https://wingatefp.com/blog/award_accreditation/best-individual-pensions-advice-firm-of-the-year-award/)
- [Money Marketing Best Retirement Adviser](https://wingatefp.com/blog/award_accreditation/money-marketing-best-retirement-adviser/)
- [Moneyfacts Retirement Adviser of the Year](https://wingatefp.com/blog/award_accreditation/moneyfacts-retirement-adviser-of-the-year/)
- [Professional Adviser Firm of the Year (South East) 2020](https://wingatefp.com/blog/award_accreditation/professional-adviser-firm-of-the-year-south-east-2020/)
- [Money Marketing Best Retirement Adviser (2020)](https://wingatefp.com/blog/award_accreditation/money-marketing-best-retirement-adviser-2020/)
- [Moneyfacts Retirement Adviser of the Year (2020)](https://wingatefp.com/blog/award_accreditation/moneyfacts-retirement-adviser-of-the-year-2020/)
- [Achieved ‘FT Adviser Top 100 Adviser’ status for the 4th successive year](https://wingatefp.com/blog/award_accreditation/achieved-ft-adviser-top-100-adviser-status-for-the-4th-successive-year/)
- [Money Marketing Best ESG Advice Firm](https://wingatefp.com/blog/award_accreditation/money-marketing-best-esg-advice-firm/)
- [Money Marketing Best Retirement Advice Firm](https://wingatefp.com/blog/award_accreditation/money-marketing-best-retirement-advice-firm/)
- [Investors In People (Platinum)](https://wingatefp.com/blog/award_accreditation/investors-in-people-platinum/)
- [Professional Adviser Awards 2025](https://wingatefp.com/blog/award_accreditation/professional-adviser-awards-2025/)
- [Money Marketing Best Retirement Advice Firm](https://wingatefp.com/blog/award_accreditation/mm-2025-winner/)
- [Retirement Adviser of the Year at the Investment Life & Pensions Moneyfacts Awards 2023](https://wingatefp.com/blog/award_accreditation/retirement-adviser-of-the-year-at-the-investment-life-pensions-moneyfacts-awards-2023/)
- [Money Marketing Best Retirement Advice Firm](https://wingatefp.com/blog/award_accreditation/money-marketing-best-retirement-advice-firm-2/)
- [Best Retirement Advisers](https://wingatefp.com/blog/award_accreditation/best-retirement-advisers/)
- [Moneyfacts Retirement Adviser of the Year 2021](https://wingatefp.com/blog/award_accreditation/your-investment-life-pensions-moneyfacts-awards/)
- [Best Adviser Firm ESG](https://wingatefp.com/blog/award_accreditation/best-adviser-firm-esg/)
- [Best Adviser FOTY for Vulnerable Client Care](https://wingatefp.com/blog/award_accreditation/best-adviser-foty-for-vulnerable-client-care/)
- [Best Adviser Website](https://wingatefp.com/blog/award_accreditation/best-adviser-website/)
- [Adviser Firm of the Year – South East](https://wingatefp.com/blog/award_accreditation/adviser-firm-of-the-year-south-east/)
- [Moneyfacts Retirement Adviser of the Year 2022](https://wingatefp.com/blog/award_accreditation/moneyfacts-retirement-adviser-of-the-year-2022/)
- [FT Adviser Top 100 2024](https://wingatefp.com/blog/award_accreditation/ft-adviser-top-100-2024/)

## Case Studies
- [Guaranteed Income with Flexible Pension Pot for Sandra Hawes](https://wingatefp.com/professional-excellence/case-studies/guaranteed-income-with-flexible-pension-pot-for-sandra-hawes/)
- [Reducing IHT & Supporting Family Gifting for Tim and Mandie Sawyer](https://wingatefp.com/professional-excellence/case-studies/reducing-iht-supporting-family-gifting-for-tim-and-mandie-sawyer/)
- [Meeting Lifetime Needs While Protecting Legacy for Edward and Gemma Browne](https://wingatefp.com/professional-excellence/case-studies/meeting-lifetime-needs-while-protecting-legacy-for-edward-and-gemma-browne/)
- [Pension Options & Tax-Free Cash Strategy for Nick and Diana Pride](https://wingatefp.com/professional-excellence/case-studies/pension-options-tax-free-cash-strategy-for-nick-and-diana-pride/)
- [Tax-Efficient Income Strategy & Cashflow Planning for James and Mary O’Donovan](https://wingatefp.com/professional-excellence/case-studies/tax-efficient-income-strategy-cashflow-planning-for-james-and-mary-odonovan/)
- [Reducing Inheritance Tax While Retaining Control for George and Julie Morrison](https://wingatefp.com/professional-excellence/case-studies/reducing-inheritance-tax-while-retaining-control-for-george-and-julie-morrison/)

## Home Hero Slides
- [Homepage Slide 1](https://wingatefp.com/home_hero_slides/homepage-slide-1/)
- [Homepage Slide 2](https://wingatefp.com/home_hero_slides/homepage-slide-2/)
- [Homepage Slide 3](https://wingatefp.com/home_hero_slides/homepage-slide-3/)

## Services
- [Financial Planning](https://wingatefp.com/our-services/financial-planning/)
- [Retirement Planning](https://wingatefp.com/our-services/retirement-planning/)
- [Pension Planning](https://wingatefp.com/our-services/pension-planning/)
- [Investment & Wealth Management](https://wingatefp.com/our-services/investment-wealth-management/)
- [Inheritance Tax & Estate Planning](https://wingatefp.com/our-services/inheritance-tax-estate-planning/)
- [Later Life & Care Fees Planning](https://wingatefp.com/our-services/care-fees-planning/): You may have found our site as you are involved with the planning of care for your parents or a close relative. Below we have tried to answer a few of the initial questions we are often asked in relation to our Care Fees Planning services.
- [Financial Planning for Business Owners](https://wingatefp.com/our-services/financial-planning-business-owners/)
- [Trustee Investment Planning](https://wingatefp.com/our-services/trustee-investment/): Home /

## Legal Pages
- [Disclaimer](https://wingatefp.com/disclaimer/): This website is designed to provide you with general information only and does not attempt to give you advice on any particular investment or to recommend any particular investment to you.