Savings, Investments & Pensions

Achieve your financial goals, planning for a comfortable future with help from our independent advisers.

All the advice you need on savings, investments and pensions from our financial experts

Financial and legal advice for the future

At Tees, we have all the experience of our team of independent financial advisers and wealth planners to help you ensure you get the best from your savings for a comfortable and secure future. As a full-service law firm, we can also help you with wills and ways to limit your inheritance tax liability by careful planning, including using inheritance tax trusts.

Save and invest with our expert financial planners

With the right professional advice, you can make your savings work harder, providing independent tailored advice. We can help you with the full range of ISAs including cash ISAs, Stocks and Shares ISAs, Junior ISAs (JISAs), Help-to-buy ISAs, Lifetime ISAs (LISAs) and other forms of tax-free investing. We also help with investing in tax-efficient vehicles such as venture capital trusts, enterprise investment schemes and the alternative investment market.

Pension advice and retirement planning

The sooner you start to plan for retirement, the better. We can help with the different types of pensions and schemes that exist, including personal pensions, stakeholder pensions, Small Self-Administered Pension Schemes (SSASs), SIPPs (Self-Invested Personal Pensions), workplace pensions and National Employment Savings Trust (NEST) schemes. We can also help you with advice on taking an early pension, annuities, pension drawdown and tax-free lumps sums, and later life lending including equity release. Our Pension Transfer Gold Standard accreditation gives you the confidence that you’re dealing with a firm that is going beyond the minimum requirements when giving financial advice. 

Tees have consistently delivered prompt advice. They demonstrate empathy in difficult situations and help client navigate towards solutions.

Key services

The areas our savings, investments and pensions advisers can help you with include:

  • The full range of ISAs
  • Investing for income
  • Portfolio planning
  • Discretionary fund management
  • Investing in tax efficient vehicles
  • Limiting your inheritance tax liability
  • Planning for retirement (including pensions for children)
  • Transferring all your pensions into one plan
  • Defined benefit pension transfers
  • Additional voluntary contributions (AVCs)
  • The full range of pension schemes

What to do next

If you’d like to meet one of our experts for a confidential, no obligation chat, please get in touch.

This material is for informational purposes only and does not constitute an offer or solicitation for the purchase or sale of any financial instrument. It is not intended as accounting, legal, tax, or investment advice. Past performance is not indicative of future results, and all investments carry risks, including the potential loss of capital.

Tees is a trading name of Tees Financial Limited, authorised and regulated by the Financial Conduct Authority (FCA), Registered number 211314, and registered in England and Wales (Company number 4342506).

Key people

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Partner
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Partner
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Partner

News and insights

Frequently asked questions

The answers to many of your questions can be found here, please get in touch for further information.

What happens to my money if I die without a will?

If you die without a will, your money will be distributed under the rules of intestacy. Under intestacy rules, your next of kin can inherit your money and assets according to a strict order of priority.

If you have a spouse or civil partner and children, then your spouse/ civil partner would receive the first £250,000 of your estate and personal chattels. Anything above this amount would be split as to half for the surviving spouse/ civil partner and half equally between your children. If any of your children have predeceased you, then their share may pass to any surviving children of theirs. 

If you should pass away without any surviving spouse/civil partner, children or grandchildren then your estate shall pass in accordance with the following order of priority: 

  • Parents
  • Brothers and sisters (or their children)
  • Half-brothers and sisters (or their children)
  • Grandparents
  • Uncles and aunts (or their children)
  • Half-uncles and aunts (or their children)

If you have no surviving relatives as described above, then your estate would pass to the Crown. Having a properly written will in place means your wishes are known and can be carried out after your death.

The benefits of having a properly written will include:

  • You choose who inherits from your estate
  • You can choose someone to trust to administer your estate
  • Your family know what your wishes are
  • Gives the opportunity for estate and inheritance tax planning and management 
  • Makes appropriate provisions for minors or dependents 
  • Assists your estate in the event that the will is contested.

The National Will Register is an official register of wills in the UK. It is approved by the Law Society and used by many solicitor firms. If your will is registered, solicitors can easily find it after your death.

No – it’s not compulsory to register your will on the National Will Register. However, if you register your will it can make it easier for your family to know what your wishes are after your death.

In order to be valid, a will should be:

  • Made by a person over the age of 18
  • Made in writing; the will can be handwritten or typed
  • Made by a person with mental capacity, who understands what they are doing
  • Made voluntarily and without pressure
  • Signed by the person making the will, with two witnesses present
  • Signed by two witnesses, in the presence of the person making the will, after they have signed the will themselves.

Many people wrongly believe that a divorce automatically cancels or invalidates a Will. Similarly, individuals with an existing Will may neglect to review it after a divorce, unaware of the potential implications. Divorce can significantly affect the provisions of a Will, an often overlooked issue. It is essential to update a will whenever there is a major change in circumstances, such as a divorce. Our specialist team can help review your will.

Contact us today

If you’d like to meet one of our experts for a confidential, no obligation chat, please get in touch.

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