E info@patesandpates.co.uk

T 01458 241327


What do we do?

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Tax planning, estate planning and auto enrolment is not regulated by the Financial Conduct Authority.

Tax treatment varies accordingly to individual circumstances and is subject to change.


Changes to pension rules, auto-enrolment and the State Pension make it vital to plan retirement carefully, from as early in your working life as possible. Our pension specialists can advise at all stages of your working life and in the later years.


We can advise on a wide range of investments that include ISAs, unit trusts and other collective schemes that can diversify risk across market sectors and geographical areas. Rising income and growth are the aims but are not guaranteed.


Serious illness or untimely death could leave your family with even more worried if your mortgage or other financial commitments are not covered by critical illness, income protection or life insurance. Think also about private health cover.

Tax Planning

Individual Savings Accounts and various annual allowances exist to be used and are perfectly proper and legal arrangements. Extra ISA types have been added by the Chancellor and may complement the tax-efficient of pension plans.

Inheritance Tax Planning

If you wish to hand wealth down to new generations, certain allowances enable this and may reduce any eventual Inheritance Tax on your estate; where a main residence is passed to direct descendant there is an allowance of £175,000. Life cover held in trust may help to pay an Inheritance Tax bill.

Business Protection

We know how important it is for businesses to protect themselves from a variety of risks, such as the death or critical illness of a key employee.  There are various types of policy available that provide lump-sum payments in these circumstances. What’s more, the premiums payable are tax deductible in certain circumstances.  If you’re a business owner, we can recommend and explain the right type of cover for you and your employees.

The guidance and/or information contained within this website is subject to the UK regulatory regime, and is   therefore targeted at consumers based in the UK.