Create Wealth are awarded a Top 100 Adviser in the UK for the third year running and are re-certified BS8577 & ISO22222

We are delighted once again to be recognised for the third year in succession as one of the UK’s Top 100 IFA’s by New Model Adviser.

The award is presented by New Model Adviser, a pre-eminent publication in our profession. They recognise our commitment to delivering a forward thinking investment advisory and financial planning service to help clients to plan for their futures, 2016-v2-nma-top100_logo4retirement and feel relaxed and secure about their financial future.

New Model Adviser has been celebrating the best financial planning firms for the last eight years, judging firms on a number of aspects including service to clients, professional qualifications and business growth.

Since launching Create Wealth we have placed our clients at the centre of everything we do and feel that this has played an integral role in us being acknowledged. Great client care is central to our philosophy and it’s something we intend to keep as our number one focus.

What’s next for Create Wealth?

We are constantly refining and further developing our service offering. Our driving aim is to make a real difference in the lives of our clients and their families. We will continue to strive to understand their ‘bigger picture’, so we can help them to plan their financial future and protect what matters most.

We have been reaccredited BS 8577: Framework for the provision of financial advice and planning services & for both directors, BS ISO 22222:2005 the only international standard for individuals providing financial advice, for the third year in a row.


These certifications are the most demanding set for financial planning firms, having been developed with industry, professional experts and consumer representatives including the Chartered Insurance Institute, Which?, Standards International, the Personal Finance Society and the Institute of Financial Planning.

We are very proud of course but this demonstrates our ongoing commitment to making sure we provide you with the best financial planning and outcomes.

To find out more, please contact us on 0800 118 2526 or email us at

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Create Wealth re-certified for both BS:8577 & ISO:22222 – Which? magazine recommends both to its clients

Once again, we are very proud to announce that the firm has once again, met the rigorous tests set by UK accredited certifiers, Standards International in maintaining our British Standard and ISO status for the third consecutive year. As one of only 14 UK firms with BS: 8577, we are the preferred choice of clients who understand the demanding requirements of a firm to meet these standards, as recommended by Which? magazine.

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Increase in the number of estates subject to Inheritance Tax

House prices have boosted inheritance tax receipts (especially in London and the South East). Estates in London and the south east paid almost half of the country’s inheritance tax bill in 2013/14 because of rising house prices, which means an increasing number of people are being hit by (and potentially interested in planning for) IHT- especially in that part of the country.

The data shows that London and the south east contributed 49 per cent of IHT collected during the year to April 2014 according to HM Revenue & Customs (HMRC).

Official forecasts also suggest the proportion of estates liable for IHT will reach 8.3 per cent of all estates in 2014/15. This is the first time since 1976 that the proportion of estates subject to IHT has risen above 8%.

Properties, household savings and stocks, bonds and other financial securities make up the bulk of assets on which inheritance tax is levied. Among all estates that paid inheritance tax in 2013/14, 36 per cent of assets were held in UK housing and 30 per cent in securities.

The £4.8bn that the government is set to raise from IHT this year is, however, a tiny fraction of forecast total tax receipts of £716.5bn, according to OBR forecasts.

The amount of IHT, as a proportion of the overall yield from all taxes, is very low. IHT does, however, generate a strong emotional response from those whose families may have to pay it. People see it as a form of “double taxation” to the extent that it represents tax on assets that are or were acquired by income that suffered income tax. Whenever there is a strong emotional resistance to a tax the motivation to “do something about it” will be higher.

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HMRC nets record £4.6bn IHT haul

HM Revenue and Customs (HMRC) has taken a record £4.6 billion in inheritance tax (IHT) in 2015/16.

According to law firm Wilsons, this represents a 21% increase from the £3.8 billion the tax office took in the previous year.

Overall this year’s takings represent a 70% increase from the £2.7 billion HMRC netted in £2.7 billion.

Despite the IHT threshold remaining at £325,000 since April 2009, increases in property prices means more individuals are being caught by the tax, according to Wilsons partner Tim Fullerlove, a specialist in trusts and tax.

‘As the threshold has stayed at a fixed rate for almost seven years, individuals who were not originally intended to be taxed are now facing significant bills because of the rise in property prices, particularly in London and the South East of England,’ he explained.

Despite the record IHT haul, the government’s recently announced plans to introduce new probate fees that means an estate worth more than £2 million would pay a probate of £20,000 instead of the current £215.

However the government has also added a new main residence nil-rate band for the primary residence when it is bequeathed to a direct descendent. This will add an extra £100,000 to the threshold in 2017 and by 2020 will add £175,000.

This band will gradually bring the threshold to £1 million for married people, with certain conditions. However, these measures will do less for childless couples and individuals who have never owned their own property.

‘Despite HMRC taking a record figure from inheritance tax over the last year, the government wants to further boost its revenue and is now planning to raise probate fees,’ said Fullerlove.

‘The planned new fees do not reflect any real difference in the costs to the probate service of handling probate on a large or small estate. In effect, they amount to an additional inheritance tax on larger estates.’

by Jonathan Harker of New Model Advisor Magazine 4th April 2016


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