Pen Life Associates

Yorkshire’s Trusted Inheritance Tax Advisers

Yorkshire’s Trusted Inheritance Tax Advisers

A Message from Julie Wilson, Director, PenLife Associates

Inheritance tax – payable on death at 40% of anything you own over £325,000 – is one of the most unfair and despised taxes. Most of your estate (that is your house, car, savings and investments, other property – everything you own in fact) has already been taxed at least once,in a lifetime of accumulating your assets. So why let the Government take another 40% of it – that’s almost half.

If you think that’s fair, you don’t need me and my team at PenLife. But I think it’s a travesty of our tax system – one that causes real pain and hardship for families.

That’s the bad news.

Now here’s the good news. There’s something totally unique about Inheritance Tax that actually works in your favour.

Unlike any other form of tax – Inheritance Tax is largely avoidable. And when I say avoidable, I mean completely legally avoidable, using options used by tens of thousands of people every year.

Having been doing this work for 30 years, I can tell you there are only two groups of people when it comes to Inheritance tax. There are the people who never do the research, or postpone making a decision and doing the planning – and their families end up with a 40% tax bill. And there are the smart ones who understand the importance of intelligent planning ahead – whose family, maybe children and grandchildren are eternally grateful that the money was able to be used give them a happier life – and not snatched away by the tax man.

The key point is that you have got to do this with the right type of adviser. It’s essential that you choose someone with a proven track record in this area. This is one of the most – if not the most important financial decisions you will ever take. I can tell you countless stories of people who’ve gone with in-experienced advisers and it’s caused tremendous problems.

Here are three things you need to know about the Inheritance Tax team here at PenLife:

  • 1 You Can Trust Us.

    You want a firm and an adviser with a proven track record of success. Pen Life is proud to serve 1500 clients in Yorkshire and surrounding areas and has saved an estimated £50 Million in Inheritance Tax.

  • 2 We Have A Proven Track Record In Inheritance Tax.

    You want an adviser who has been around a long time and is not going anywhere. PenLife has been serving the people of Yorkshire and the surrounding area for over 30 years and our 26 strong team have the proven track record to provide the pension services and support that you need.

  • 3 We Are Local

    If you are like most of our clients, you want to do your Inheritance Tax planning with someone from your area, who you can meet and look in the eye. Not a distant company at the other end of the country or a remote online organisation. Come and visit us anytime at our head office in York (we’ll even give you a cup of tea!) or we can come and visit you at your home or office.

Want to know More?

Arrange a call with one of specialist advisers today.


One final thought for you. If you think about the people you care most about in life, maybe your children or grandchildren, my guess is, you would do anything for them if they really needed your help. Well, bear in mind, you’re not doing this for you, you’re doing it for them, because the day may come where they do really need your help, but let’s face it, you may not be here to help them. But your financial legacy – your willingness for your money to towards making their lives better – and not giving it to the taxman will make them eternally grateful.

Whether it’s helping your children plan for a rainy day, helping bring up grandchildren – or having your assets used by charities or favourite causes – if you’re concerned about how the money is going to be used, you have the option of doing more sophisticated planning that takes care of all that too. Whatever you want for your money, you have lots of choices. The key thing is to get the ball rolling now. So please give us a call now so that we can answer any questions you might have. We look forward to meeting you personally very soon. We’ll even put the kettle on and make you a nice cup of tea!

Julie Wilson
Director – Pen Life

What Our Clients Say

'I have found my adviser warm, approachable, knowledgeable and accommodating. I know that I can contact her with any enquiries and they will be dealt with promptly and efficiently.'

Mr J Aldis

'If you want to feel totally confident and secure in the knowledge that your personal finances are in expert hands look no further. We know from our own experiences over 35 years Pen-Life are outstanding in all respects.'

Mr & Mrs B Western

'Thank-you for all the advice you gave me just at the right time. Everything is in place and the whole family is financially sound and settled. This couldn't have happened without your very well timed intervention and I can't thank you enough.'

Mrs J Hunsley

'Very happy with the service I have received, I have already recommend PenLife  to friends and family.'

'Everyone I have dealt with have always been really helpful and answered any questions I have had in a timely manner i have already recommended you to friends and colleagues so hopefully they will be in touch many thanks for all your help.'

'Everyone has been so friendly thank you.'

'Already recommend to a friend :)'