Protect what you've built.
Reduce inheritance tax.
Plan an amazing legacy.
Create a Family WealthFortress
The UK tax landscape is changing.
From 6 April 2027, pensions will no longer sit outside inheritance tax. For many families, this could mean hundreds of thousands of pounds lost to tax when wealth is passed on.
The Family WealthFortress is a structured, expert-led service designed to help you identify risks, reduce tax, and protect your family’s wealth — before these changes take effect.
Most families are sleepwalking into a tax problem
You may recognise some of these:
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You’ve done the “right things” — pensions, property, investments — but they’ve never been looked at together
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You don’t know what your real inheritance tax exposure actually is
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You assumed your pensions would be tax-free on your death, but now you don't know what to do
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Different advisers give different answers — or only focus on their own area
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You suspect there are legal ways to reduce tax, but no one has joined the dots
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You worry that the next generation won't have the necessary skills and knowledge when they inherit
Working with WealthBuilders I was able to save over £35,000 in pension charges.
The 2027 pension shift.
A quiet change with significant consequences
From April 2027, most unused pensions will form part of your estate for inheritance tax purposes.
That means:
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More estates pushed over the IHT threshold
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More tax due at 40%
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Less wealth passed to those you care about
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Executors and families facing complex, stressful decisions at the worst possible time
This isn't fearmongering.
It's legislation-driven reality.
How the rules are shifting for business owners
The 2027 pension changes matter — but they’re not the only deadline. A series of UK reforms coming in 2026 and 2027 are set to affect business owners through higher compliance demands, changes to reliefs, shifting property/business costs, and tax inefficiencies that are becoming more expensive, more visible and harder to fix. In the Family Wealth Fortress, we look at the whole picture so you can act early and avoid expensive, last-minute decisions.
Key changes to be aware of:
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It’s becoming harder to take money out of your business, which means extracting profits through dividends or income is now more expensive and less flexible, making poor planning far more costly over time.
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Selling or passing on a business is no longer as tax-efficient as it once was, which means higher capital gains tax and the growing impact of inheritance tax can significantly reduce what you or your family ultimately receive.
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Rising tax pressure on business structures makes planning essential, which means understanding how to legitimately reduce tax through ownership, remuneration and long-term structuring is no longer optional — it’s critical to protect what you’ve built.
Why property wealth is now more exposed
Property has long been seen as a reliable way to build wealth, but the rules around ownership, income and disposal have changed significantly. Higher taxes, reduced reliefs and tighter rules mean property now needs far more careful planning to remain efficient.
In the Family Wealth Fortress, we look at property as part of your wider wealth picture, so decisions around income, borrowing and exit don’t create unnecessary tax or risk later on.
Pressures on property professionals include:
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Higher tax on rental income, which means more of your cashflow is now taken in income tax, reducing the net return on property and making ownership structure far more important than it used to be.
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Higher tax when you sell property, which means capital gains tax can significantly reduce the proceeds from disposals, particularly where properties have been held personally or without long-term exit planning.
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The removal of mortgage interest relief, which means borrowing costs can no longer be fully offset against rental income, squeezing profits and turning what looks like a good deal on paper into a poor one after tax.
For many people, these pressures don’t exist in isolation.
When property sits alongside pension wealth and business ownership, tax decisions in one area can directly increase exposure in another. Income extraction, capital gains, inheritance tax and cashflow planning all become interlinked, meaning fragmented advice often creates unintended consequences.
This is where a joined-up approach becomes essential — not to avoid tax entirely, but to ensure you’re not paying more than necessary simply because the full picture hasn’t been considered.
Introducing: The Family WealthFortress
The Family WealthFortress is a comprehensive, personalised invitation-only programme designed to help you protect, structure and transfer your wealth with clarity and confidence.
We help you address critical financial “leakage” by uniquely bringing together seven key areas of your financial life that are so often handled in isolation by disconnected professionals, leading to unnecessary risk, inefficiency and avoidable tax.
A key focus is helping you prepare for the 2027 pension tax changes, so your family is not exposed to significant and unnecessary inheritance tax in the future.
Through a guided four-level process, we help you gain a clear, visual understanding of what you own and how it is set up, before implementing appropriate structures such as SSAS pensions and family trusts where suitable.
The outcome is a documented, long-term framework that supports better decision-making today and helps ensure your wealth — and the principles behind it — are passed on responsibly to the next generation.
We don’t sell products. We interrogate your entire financial position and help you make informed, joined-up decisions.
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Tax
We analyse and restructure how your income, businesses, property and estate are taxed — addressing both one-off and recurring taxes such as income tax, corporation tax and inheritance tax — to legally reduce unnecessary tax leakage now and in the future, ensuring more of what you build stays within your family rather than going to HMRC.
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Legal
We review and strengthen the legal foundations of your wealth — including wills, powers of attorney, home ownership, trusts and key agreements — so your assets transfer smoothly, disputes are avoided and your wishes are carried out exactly as intended.
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Financial
We bring clarity to your family’s finances by reviewing what you own, what it’s worth and how it works together — reducing costs, improving returns and assessing debt and insurance. We show you how you can aggregate family cash to increase your rate of interest and aggregate investments to reduce your management fees. Family protection is always set up in trust to avoid inheritance tax and, where appropriate, tax relief can be claimed on the premiums.
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Structures
We assess and optimise how assets, businesses and investments are owned — personally, jointly, or through family investment companies and trusts — because structure, not just asset choice, determines tax efficiency, protection and control.
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SSAS Pension
Where appropriate, we help you set up or review a SSAS pension as a strategic tool to improve tax efficiency, control and flexibility and to support long-term inheritance planning that standard pensions simply cannot provide, including assessing how and when it may be appropriate to involve family members as part of your wider plan.
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Recurring Income
We strengthen and diversify reliable, recurring income streams across multiple assets, while reviewing the little-known critical role gifting from income can play in inheritance tax planning. Having multiple streams of income gives greater certainty, reduces dependency on a single source and provides greater predictability for you and the next generation.
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Legacy
We create a clear, documented legacy plan that considers your whole family, including your parents, children and grandchildren. It takes into account any inheritance you may receive and how it should be integrated responsibly. By involving family members at the right time and focusing on stewardship, not entitlement, we help transfer wisdom, values and decision-making principles — not just money — supported by a Family Wealth Charter that guides future generations with confidence.
PLEASE NOTE: WealthBuilders do not give regulated financial advice.
We can connect you to trusted professionals or work with your existing team to ensure that you take independent tax, legal or financial advice before making decisions about your money.
What Clients Say
Lee Lundie
It has delivered on so many fronts, not least of which, autonomy, value, and security. It has also helped me create a lasting legacy for my family, which they will be able to build upon in the years to come.
Tim Riley
If you want to take charge of your own wealth and create a lasting legacy for future generations of your family, then I highly recommend you speak to WealthBuilders.
Christopher Baffos
I highly recommend WealthBuilders to anyone who is serious about creating, growing, and protecting their wealth and leaving a lasting financial legacy for their family.
Our £50k Results Commitment
We don’t work by the hour, we don’t sell products, and we don’t ask you to take the risk.
We don’t work by the hour, we don’t sell products, and we don’t ever take a percentage of your money. We take the risk, so you don't have to.
If you’re accepted into this invitation-only programme, over the course of your engagement and through the plans put in place, we guarantee to find, save or make you and your family a minimum of £50,000.
That’s clear, identifiable financial savings or benefits because of the guidance, strategies, structures, introductions and coordinated support we provide.
This may include:
Reducing unnecessary tax
Improving how your wealth is structured
Lowering ongoing fees or costs
Guiding you to build wealth more effectively
Protecting capital that might otherwise be lost
If we don’t achieve that, we’ll continue working with you at no cost until we do. That’s how committed we are to delivering a real, measurable outcome.
We work in partnership with you, so your engagement with us and the process is vital to achieve the best outcome.
This guarantee is about confidence and protection, not pressure. A guarantee built around outcomes that actually matter.
WealthBuilders ...it's in our name.
Kevin Whelan is the founder of WealthBuilders, known for helping UK business owners and professionals build and protect multi‑asset wealth using structured, tax‑efficient strategies. His background includes decades in financial services and wealth education, focusing on pensions, property, business ownership, and trust‑based planning for affluent families.
Paul Brooks is the SSAS & Technical Director at WealthBuilders, specialising in advanced pension strategy and complex wealth structuring for UK business owners and property investors. With an IFA background and over 15 years experience, Paul has worked with thousands of entrepreneurs, helping them use pensions more effectively in a SSAS to reduce tax, improve control and build long-term, multi-asset wealth.
From traditional advisor.. to your family's WealthGP
For years, most people have been forced to manage their wealth through a collection of disconnected professionals — advisers, accountants, solicitors and product providers — each focused on their own area, often without seeing the full picture.
In traditional advice models, this has typically meant:
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High ongoing fund fees, platform charges and hidden transaction costs quietly compounding against wealth over decades
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Tax-inefficient structures, such as the wrong ownership, the wrong wrappers or poor use of allowances, leading to unnecessary income tax, corporation tax and future inheritance tax
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Advisors working in a silo will often focus on what's in it for them and not consider the overall picture and what's the best outcome for you.
The Family WealthGP approach...
Our role is deliberately different. We act as a Wealth GP, with WealthBuilders as the central hub that manages and coordinates everything on your behalf.
Just like a medical GP, we start by assessing the whole situation — not selling a solution. We look across your tax, financial, legal, structural and legacy position, identify what’s working, what isn’t, and where the real risks and opportunities lie. Only then are we able to diagnose what's right for you, involving the right specialists at the right time.
We've taken decades to build relationships with trusted professionals and we coordinate discussions, getting them in the same room at the same time. This minimises your costs, time and a danger of overwhelm if you had to organise this entirely on your own.
Because we operate on a fiduciary, no-commission basis, every recommendation must earn its place. Nothing is implemented unless it delivers a clear, measurable benefit — whether that’s cash saved, tax reduced, returns improved or risks removed.
Those outcomes are tracked, reviewed and reported, so progress is visible rather than assumed.
The result is a joined-up, outcome-driven approach where your wealth is treated like a long-term system — not a collection of products — and where someone is finally accountable for protecting and improving the whole picture.
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One joined-up plan, not fragmented opinions
You’re no longer left to piece together advice from multiple professionals who don’t speak to each other. Everything sits within one coordinated strategy, so decisions in one area don’t create problems in another. -
Proactive oversight instead of reactive fixes
Issues are identified early and addressed in the right order, rather than being discovered years later when options are limited, deadlines are missed, or tax has already been paid unnecessarily. -
Clear accountability, not shared responsibility
You always know who is overseeing the whole picture, tracking progress and challenging assumptions — rather than being passed between advisers with no single point of responsibility.
Why this is different.
This is not generic advice. It’s strategic planning.
Many clients uncover significant tax savings within 90 days, simply by restructuring what they already have.
No gimmicks. No grey areas. Just better decisions.
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We look across everything you own and control
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We challenge assumptions and outdated thinking
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We highlight risk, inefficiency and missed opportunities
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We work with facts, data and current legislation
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We help you prioritise actions — not overwhelm you
We use advanced visual mapping tools to bring your entire financial world into one clear, joined-up view.
Instead of reports, spreadsheets or adviser jargon, you see how your assets, liabilities, income and family connections actually fit together — often revealing risks, gaps and opportunities that are impossible to spot in isolation.
For most people, it’s the first time their wealth has been presented in a way that is intuitive, practical and genuinely useful for making better decisions.
Here’s what’s included in our
Family WealthFortress Programme
Level 1: Clarity & Visibility (First 90 Days)
What happens: We gather key information about your personal, business and family finances and create a clear visual overview of everything you own, how it connects, and where potential risks or inefficiencies exist.
What you can expect: For the first time, you see your entire financial position in one place — including assets, pensions, businesses, liabilities and key relationships.
Results: Immediate clarity, early wins around efficiency and costs and a solid foundation for smarter decisions going forward.
Level 2: Assessment & Planning (Next 90 Days)
What happens: We carry out a detailed tax, legal and structural review, including an inheritance tax assessment, pension analysis and review of existing legal documents.
What you can expect: Clear identification of gaps, risks and opportunities — particularly in relation to inheritance tax, pension planning and ownership structures.
Results: A prioritised plan showing where tax savings can be made, what needs fixing and which strategies are most appropriate for your family.
Level 3: Implementation & Action (Third 90 Days)
What happens: Agreed strategies are put into action. This may include improving income planning, addressing protection gaps and where suitable, setting up tools such as a SSAS or inheritance tax mitigation structures.
What you can expect: Decisions turn into tangible action, coordinated with the right specialists at the right time.
Results: Measurable progress — improved income resilience, reduced future tax exposure and greater control over how wealth is owned and used.
Level 4: Legacy & Continuity (Fourth 90 Days)
What happens: We review progress, fine-tune the plan and document your long-term intentions through a Family Wealth Charter and legacy framework.
What you can expect: A clear, documented plan that your family can understand and follow, supported by secure storage of key documents for you, your executors and trusted people to access when needed.
Results: Peace of mind that your wealth, values and decision-making principles are protected and can be carried forward confidently by the next generation.
Is the Family WealthFortress right for you?
The Family WealthFortress is an invitation-only programme, designed for people who have already made meaningful progress — but know there’s more to do. This is not about starting from scratch. It’s about bringing structure, clarity and coordination to what you’ve already built.
This programme is typically suited to those who care deeply about their family’s future and want clarity rather than confusion when it comes to their financial decisions. You may already have assets across property, pensions, business or investments, but recognise that they have been built over time without a single, joined-up plan guiding how everything fits together.
The Family WealthFortress helps you make better decisions with greater confidence, reduce avoidable risk, and ensure the wealth you’ve created is positioned to support your family not just today, but for generations to come.
You're likely to be a good fit if you
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Are successful in your career, business or in property and have already made sound financial decisions, even if you haven’t yet seen everything working together yet in one joined-up plan.
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Have growing complexity, with multiple assets, income sources, pensions, businesses or family considerations.
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Have built real assets, rather than just plans or intentions.
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Are decisive, comfortable making informed decisions once you understand the facts.
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Feel frustrated, knowing there are inefficiencies, risks or missed opportunities and have been looking for something holistic like this.
This may not be the right fit if you
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Are starting from scratch, with little in the way of existing assets, income or complexity.
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Prefer product-led advice, or are looking for quick fixes, tips or speculative opportunities.
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Avoid making decisions, even when clear information and guidance are provided.
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Want one-off advice, rather than an ongoing, coordinated approach.
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Are not yet ready to engage in a plan to build a legacy and transfer your wealth, or think wealth planning is only about accumulating money rather than involving the next generation.
Our SSAS pension saved us £26,000 in bridging and interest fees.
The next step.
Find out how this affects you.
Before doing anything else, we recommend one simple step:
Calculate your current inheritance tax exposure
Our free IHT calculator takes less than 5 minutes and gives you a clear indication of:
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Your potential IHT liability
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How exposed your family may be
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Whether further planning is worth exploring
(There’s no obligation. Just better information.)
Apply for a Family WealthFortress review
Our work requires high trust, shared philosophy, and the willingness to dedicate time to generational growth. For that reason, we collaborate with a select number of families each year, by invitation only.
If you want expert support to reduce taxes, protect your family and build a robust long-term plan, the next step is to check to see if you are eligible.
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Step 1: Eligibility
Share a few details so we understand your situation. Information is treated confidentially and takes less than 10 minutes to complete.
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Step 2: Right fit
We review your submission to make sure we're a good fit. If we think we can help you to save money, we'll invite you to schedule a meeting.
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Step 3: Conversation
A relaxed, no-pressure conversation on Zoom with you and/or family members to explore whether working together makes sense.
Join a community of families redefining wealth for the generations to come.
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