Lifetime Trustees Ltd.

14/01/2026

How We Work with Independent Financial Advisers (IFAs)
Clear roles. Joined-up planning. Better outcomes.
At Lifetime Trustees Ltd, our role is to help clients put in place clear, effective, and robust estate-planning arrangements, including wills, trusts, and succession planning.
Good estate planning increasingly depends on close coordination with financial planning, particularly where pensions, inheritance tax, and long-term family planning are involved. That is why we work collaboratively with Independent Financial Advisers (IFAs).

Our role
We specialise in:
• Wills and will trusts
• Pension (Pilot) Trusts and other lifetime trusts
• Estate and succession planning
• Inheritance tax structuring (from a legal and estate-planning perspective)
• Protecting family intentions across generations
We do not provide financial advice or accountancy advice, and we do not recommend specific investments, pension products, or financial strategies.

The role of your financial adviser
Your Independent Financial Adviser (IFA) typically advises on:
• Pension arrangements and death benefit options
• Investments and asset allocation
• Retirement planning and income strategies
• Financial product selection and ongoing management
This advice is regulated separately and complements — rather than replaces — estate planning advice.

How we work together
Where appropriate, and always with your consent, we:
• Liaise with your existing IFA to ensure pension arrangements align with your will and trust planning
• Review Expressions of Wish alongside your wider estate structure
• Help avoid unintended tax consequences caused by misaligned planning
• Ensure responsibilities are clear, coordinated, and documented
This joined-up approach is particularly important in light of recent and upcoming changes to pension and inheritance tax rules.

What if you don’t have a financial adviser?
If you do not currently have an IFA, we can introduce you to highly qualified, independent, and trusted financial advisers with whom we regularly work.
• Any introduction is without obligation
• You remain free to choose whether to proceed
• Advice is provided independently of Lifetime Trustees
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Why this approach matters
Estate planning works best when:
• Legal structures reflect financial reality
• Pension death benefits align with family intentions
• Inheritance tax planning is considered holistically
• Professional roles are clear and properly coordinated
Working collaboratively helps ensure your arrangements are effective, flexible, and future-proofed.

In summary
✔ We focus on wills, trusts, and estate-planning structures
✔ We do not give financial or accountancy advice
✔ We work alongside IFAs to ensure joined-up planning
✔ We can introduce a trusted independent adviser if needed
If you would like to discuss how this works in your own circumstances, please get in touch. An initial discussion is always helpful and carries no obligation.
Direct contact on: 079 888 30691 or [email protected]

02/01/2026

Digital assets are to be formally recognised in law with the Property (Digital Assets etc). Check that they are included in your will and ensure your executors know how to access them. See "NEWS" on https://www.lifetimetrustees.com/news/

06/06/2024

Remains of one of the pontoons used to make the Mulberry harbour. This on on Gold Beach, Arromanches, Normandie.
Each harbour required a vast 140,000 tonnes of concrete to build.
Around 45,000 people in 300 engineering companies around the UK worked on the project.
The harbours consisted of around 6 miles (10km) of flexible steel roadways floating on steel or concrete pontoons. About 100 pontoons were built. There are still several there but none of them floating. It was a truly massive project.

09/04/2024

326 signatures are needed, let’s get there by the end of the day?

15/03/2024

Every time I leave a Hotel Room, I always leave this to fw the Housekeepers😂

01/06/2022

Here's a really cheery subject but one everyone will have to deal with at sometime in their lives...
What should I do when someone dies?
When a loved one passes away, the initial steps can be overwhelming. There are a number of tasks that need to be completed and it is often difficult to work out what should be done first. This can make an already tough time even more stressful; these comments aim to simplify the first steps to be taken following a bereavement.
Message phone or e-mail to receive the full story.

23/12/2021

Most home owners in the South East can now become liable for Inheritance Tax. See more here http://www.lifetimetrustees.com/does-inheritance-tax-affect-you/
or just ask for the free guide "Untangling Inheritance Tax" to be sent to you. 0798 883 0691.

Good news for small estates but.... Treasury rules out IHT reform recommendations The UK Government has set out further plans to create a modern, simple and effective tax system during its Tax Administration and Maintenance Day that took place this week, but recommended IHT reforms were rejected by....

13/01/2021

Covid 19's impact on wills and probate
More information about temporary changes to how you can deal with Wills, Death Certificates and Probate - here:
http://www.lifetimetrustees.com/covid-19s-impact-on-wills-and-probate/

29/12/2020

As 'Divorce Day' approaches why do so many couples split after Christmas? - see more here...

That’s a good question which many couples may be considering. Think about how a dissolved or annulled marriage or civil partnership will affect your Will. Think about what arrangements have already been devised or bequeathed to your spouse or civil partner if you were to die today, because general...

25/08/2020

WE are now online with Wills in the Cloud. Start your will now for £25. here: http://willsinthecloud.com/

19/08/2020

Have you heard of ESCHEAT? click link to learn more

Escheat refers to the right of a government to take ownership of estate assets or unclaimed property. The Government publishes and maintains a list of Unclaimed estates. The Division publishes a list of unclaimed estates which have been recently referred, but not yet administered, and historic cases...