Expert Wealth Protection Advice | Plan & Protect Your Assets

Looking after your assets

Wealth protection is ensuring your existing assets are protected against risk, uncertainty and unexpected tax liabilities. With careful and strategic planning, we can help protect your wealth and safeguard your financial future, while still supporting the lifestyle you enjoy and people you love.

Wealth protection:

Protects your assets from market risk, tax erosion and unexpected life events;
Makes sure your wealth is accessible, structured, and resilient for your loved ones; and
Can include life insurance, critical illness cover, or writing a will.

Our experienced team provides expert wealth protection advice, including inheritance tax planning, asset diversification, and protection against market volatility.

Talk to an Expert

What is wealth protection planning?

Wealth protection planning consists of a range of approaches designed to preserve your assets.

These could include insurance against illness or death, structuring assets in a tax-efficient way, gifting excess income, or putting trusts or legal arrangements in place to protect your wishes.

Wealth protection may involve:

Inheritance tax planning;
Wills and power of attorney;
Life insurance and critical illness cover;
Gifting and setting up trusts; and
Inflation and tax planning.

At Shackleton, we take a holistic view of your finances, considering your investments, cash holdings, family and long-term goals. This allows us to protect your wealth with a tailored strategy, ensuring you can plan confidently for the future, even if life doesn’t go to plan.

How wealth protection works

1. Understanding your goals

We take the time to understand what’s important to you – including your total assets, family and personal circumstances, and what you want to protect. Our experienced advisers will discuss any concerns you have around illness or later-life care, alongside who you wish to inherit your wealth.

2. Exploring your options

We find the best combination of wealth protection strategies to suit your circumstances. These could involve life or critical illness cover, income protection (if illness or injury prevents you from working), trust planning, writing a will or power of attorney, inheritance tax planning, or gifting assets.

3. Ongoing, flexible care

We understand your circumstances (and the wider market) will change over time, so we take a flexible, ongoing approach. Our experienced team regularly reviews your plan to make sure it still suits your needs, reflects changes in your life, and any new and relevant government legislation.

01 /

Why choose Shackleton?

By choosing Shackleton, you tap into decades of wealth and tax expertise.

We’re a fully independent business, which means we’re able to adapt to changes in the financial landscape and in your personal circumstances. We’re also Chartered, which means we adhere to the very highest professional standards.

Our overarching objective is simple – we seek to improve your financial security to help you and your family to live your lives, safe in the knowledge that your financial affairs are in good order.

Protect against life’s uncertainties

Life insurance and critical illness cover can provide vital financial security if the unexpected happens. The right protection helps ensure your loved ones are supported and your lifestyle is maintained, even in difficult times.

Plan ahead with trusts and gifting

Careful financial planning can help you reduce the impact of inheritance tax and make it easier to pass on wealth to future generations. Strategies such as lifetime gifting, creating a trust, or tax-efficient structures can help preserve more of your wealth for the people you love.

Get peace of mind with wills or POAs

Writing or having an up-to-date will ensures your assets are distributed according to your wishes, while a power of attorney allows trusted individuals to act on your behalf in the event you are unable to. Together, these can provide clarity, control, and peace of mind for you and your family.

Structure wealth from tax erosion

Without sensible planning, inflation and taxation can quietly reduce the value of your wealth over time. A well-structured approach can help protect your assets, balance risk, and ensure your money continues to work effectively for you. Our experts work with investors and business owners across the UK.

How much does protection planning cost?

Our first conversation is free. If you proceed, there’s an initial cost to cover the advice and creation of your tailored strategy. The fee structure is as follows:

Value of assets	Initial fee
Up to £250,000	2%
£250,000 to £1,000,000	1%
More than £1,000,000	0.5%

Example:

You invest £1.25m with us.  The initial fee would be £250,000 at 2% (£5,000), £750,000 at 1% (£7,500), and £250,000 at 0.5% (£1,250).

In simple terms: £5,000+£7,500+£1,250 equals a total of £13,750.

We will not charge you more than £20,000 for any piece of individual advice. The cap applies for each piece of initial advice.

Our ongoing fees cover both wealth protection planning and ongoing investment management, and they compare favourably with the wider market. Our fees are lower than the UK average.

Wealth builder

Financial Planning Fee

0.75% Min £400 per annum

Investment Charges

0.68%*

Investment Platform Fee

0.20%

Total: 1.63%

Wealth management

Financial Planning Fee

0.75% Min £1,500 per annum

Investment Charges

0.68%*

Investment Platform Fee

0.20%

Total: 1.63%

Wealth advisory

Financial Planning Fee

1% Min £2,000 per annum

Investment Charges

0.68%**

Investment Platform Fee

0.20%

Total: 1.88%

At Shackleton, we’re committed to fair and transparent fees, every step of the process, while we pride ourselves on not charging exit fees. Find out more about our charges for financial advice.

FAQs

Do I need wealth protection if I already have savings or investments?

Yes, wealth protection is beneficial even if you already have savings and investments. Without the right protection in place, your wealth can be affected by tax, inflation, or unexpected life events.

Can wealth protection include cash, property, and pensions?

Yes, wealth protection considers your full financial picture, including pensions, cash holdings, investments, and property. Spreading assets appropriately can help reduce risk and improve your financial resilience.

Is wealth protection only relevant for high-net-worth individuals?

No, wealth protection is not only relevant for high-net-worth individuals. If you have assets and dependents, protection planning can help safeguard your income, family security and ensure you achieve your long-term financial goals.

Do I need a will or a power of attorney to protect my wealth?

A will and a power of attorney are an important part of protecting your wealth. They ensure your wishes are followed and allow trusted individuals to make decisions around your wealth if needed.

Safeguard your future with wealth protection advice

Looking after your assets

What is wealth protection planning?

Wealth protection may involve:

How wealth protection works

1. Understanding your goals

2. Exploring your options

3. Ongoing, flexible care

Why choose Shackleton?

Protect against life’s uncertainties

Plan ahead with trusts and gifting

Get peace of mind with wills or POAs

Structure wealth from tax erosion

How much does protection planning cost?

Example:

Wealth builder

Wealth management

Wealth advisory

Talk to an expert

FAQs

Related services

Passing on wealth

Expert Witness Service

Business Owner Advice

Pension consolidation

Pensions on divorce

Planning for later life

Wealth protection

Pension Planning

Wealth management

Retirement advice

Tax planning advice

Employee Benefits

Mortgage & property advice

Employee Benefits