As part of an initial meeting our Morley-based financial advisers will also conduct an assessment of your potential exposure to inheritance tax. This involves a review of any existing wills and, if appropriate, recommendations for immediate inheritance tax planning.

There are a multitude of solutions available to assist in this area. These can range from gifts and gift trusts to solutions which can ring-fence wealth which is no longer required. They can include investment based trusts where a measured level of access or income is still required, to options to transfer the liability to an insurance company. In some cases assets which qualify for business property relief and are available for their use but outside an individual’s estate for Inheritance Tax purposes. No one size fits all and often a number of these solutions combine together to form the strategic financial plan.

Our Financial Advisers aim to ensure the correct balance is struck between reducing exposure to tax, maintaining control and access, and controlling the flow of wealth between generations.

If you are a resident in the Morley, Leeds or surrounding Yorkshire area and you are looking for advice on inheritance tax planning, our financial advisers are here to help. To discuss, please call our team on 0113 350 2080 or email

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Choosing the right adviser can be difficult and knowing your adviser will be there throughout your financial career is vital before committing to such a relationship.
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Recent News

Meet Our Customers

Many people in the process of planning their retirement look to independent financial advisers to help with pension’s advice when they hear of options of investment to increase their savings. This was the case for our Leeds team recently, who helped Eric find a secure level of income during his retirement…

Eric, who was still working at the time, came to our team after being recommended our services by a friend, with a request to take out money from his pension to buy a property, but found that if he did so whilst still in work he would face an unnecessary and high tax bill.

Initially, we offered a free 30 minute finance consultation with Eric, so we could discuss his situation, before planning in the next steps to take to help resolve it.Read More

What Our Customers Think

“I have found that Andrew Dodd, partner at Heritage, delivers financial advice in an easy and understandable way, so that people like myself can simply understand the steps needed to be taken.

Throughout the time we have dealt with him, before his venture with Heritage, he is always prompt at meetings, efficient with his time management, and will also spend the extra time in giving financial advice to do with our financial portfolio.

I would always recommend him as an independent financial adviser to help with anyone I know looking for portfolio management, pension advice and even tips on regular savings.”

Gareth, Cleveland
We worked with Andrew for over 8 years now, prior to his time as independent financial adviser for Heritage, and he has proven to be an excellent adviser, whom we moved from a working environment into retirement with.

During that time we had excellent and friendly financial advice, from retirement planning and pensions to portfolio management and investment advice, all of which we fully understood and were comfortable with. In all of his financial recommendations they have proven to be extremely beneficial for us, and nothing is ever seen as too much trouble, as he has always remained reachable and delivered timely and effective financial advice.

We would always recommend Andrew, and now the whole Heritage team as we are positive that everyone else would have the same enjoyable experience as we do. With Andrew you were not just another person in a queue, it’s a personal financial experience, and it’s reassuring that we could contact him whenever for advice big or small.