Three Rivers Wealth Management supports clients in choosing the most effective tax wrappers as part of a wider estate planning strategy. By carefully structuring assets using solutions such as pensions, ISAs, and other tax-efficient vehicles, we help reduce potential inheritance tax liabilities while maintaining flexibility and control. This considered approach ensures wealth is protected during your lifetime and passed on to future generations in the most efficient way possible.

Three Rivers Wealth Management advises clients on the use of whole of life policies as part of an effective estate and inheritance tax planning strategy. These policies can provide a guaranteed payout on death, helping to cover potential inheritance tax liabilities without the need to sell assets or disrupt family plans. We assess suitability, structure policies appropriately—often in trust—and ensure they align with your wider financial and estate planning objectives to provide certainty and peace of mind for you and your family.

Three Rivers Wealth Management helps clients navigate the rules around gifting and understand how these can be used effectively as part of a long-term estate planning strategy. We provide clear guidance on allowances and exemptions,  while also forecasting how gifting may impact your future financial security. By carefully modelling different scenarios, we help ensure gifts are made confidently, sustainably, and in a way that supports both your objectives and those of the next generation.

Three Rivers Wealth Management also advises on the use of Enterprise Investment Schemes (EIS) and Seed Enterprise Investment Schemes (SEIS) for clients who are comfortable with higher levels of risk and are seeking advanced tax planning opportunities. These investments can offer attractive tax benefits, including income tax relief and potential inheritance tax advantages, while supporting innovative and growing UK businesses.