There are many things to consider when looking to protect your family and your home. Areas such as Inheritance Tax and Capital Gains Tax, illness and loss of income need to be considered in an effective protection planning strategy.

No one can predict the future, but everyone should prepare for it. Whatever your plans for the future, whether for yourself, your family or your business, careful financial planning can make a real difference to your life and those you care about, both today and in the future. 

At Sands Wealth Management we have the expertise to support and advise you on all areas of your Wealth Management and Wealth Protection. Ensuring that your assets and the people who matter are suitably protected, lies at the heart of what we do.

Have you considered:

  • How you and your family would maintain your lifestyle if you could no longer work?
  • How Inheritance Tax could affect your loved ones when you die or what the effects may be of an increased life expectancy on your estate?
  • What the impact on your business would be if you or another key member were unable to attend work for a prolonged period through accident or sickness?

We all understand the importance of insuring items such as the family home, vehicles and valuable possessions, but are you confident you have adequate financial protection? If not, then you could be taking unnecessary risks with your future financial wellbeing.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax reliefs depends on individual circumstances.

There are many things to consider when looking to protect your family and your home. Areas such as Inheritance Tax and Capital Gains Tax, illness and loss of income need to be considered in an effective protection planning strategy.

No one can predict the future, but everyone should prepare for it. Whatever your plans for the future, whether for yourself, your family or your business, careful financial planning can make a real difference to your life and those you care about, both today and in the future. 

At Sands Wealth Management we have the expertise to support and advise you on all areas of your Wealth Management and Wealth Protection. Ensuring that your assets and the people who matter are suitably protected, lies at the heart of what we do.

Have you considered:

  • How you and your family would maintain your lifestyle if you could no longer work?
  • How Inheritance Tax could affect your loved ones when you die or what the effects may be of an increased life expectancy on your estate?
  • What the impact on your business would be if you or another key member were unable to attend work for a prolonged period through accident or sickness?

We all understand the importance of insuring items such as the family home, vehicles and valuable possessions, but are you confident you have adequate financial protection? If  not, then you could be taking unnecessary risks with your future financial wellbeing.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax reliefs depends on individual circumstances.


” James has the gift of guiding you in the right direction to make a wise decision about your finances, to suit your circumstances and situation.

He has the knowledge and experience to help in all matters in a very friendly and pleasant way. Also, I have found him to be entirely trustworthy at all times. “


Mrs J. Peart – Retired Teacher, Leeds