Questions?

At Finura, we believe in giving you the chance to explore your financial options without pressure. That’s why our initial consultation is completely free. We’ll take the time to understand your goals, challenges, and aspirations — giving you an overview of how we can help you. If you choose to proceed with our services, our fees are outlined clearly in a personalised Work Scope document, which you will review and approve before we move forward. We pride ourselves on our transparent and straightforward pricing, and you’ll always know exactly what to expect.

Absolutely. We have a talented and growing team of female financial planners at Finura, and we’re always on the lookout for exceptional talent. Our female advisors bring unique perspectives to the table, from thought leadership in areas like Women’s Wealth to a deeper understanding of the challenges women often face in managing personal and family finances. Whether you’re navigating your own wealth, managing life transitions, or planning for the future, our female planners are committed to providing empathetic, strategic, and tailored advice that resonates with your needs and values.

Absolutely! At Finura, we believe that financial planning is not just about you — it’s about your whole family. Whether you're working on a long-term strategy or navigating a major life event, involving loved ones can create clarity and peace of mind. We strongly encourage open conversations around legacy planning, wealth transfer, and business succession. Our team works alongside you to ensure your family understands your financial goals and that everyone is aligned with your vision for the future.

Gifting can be a powerful tool for inheritance tax planning. You can use annual exemptions, small gift allowances, and larger gifts (potentially tax-free if you survive seven years). We’ll help you build a bespoke gifting strategy, making sure your gifts are tax-efficient, suit your goals, and offer flexibility while ensuring security for your own needs.

Yes. We’ll assist you in arranging or updating your will, and setting up Lasting Powers of Attorney for both finances and health. These documents provide clarity and protection for you and your loved ones and ensure your wishes are carried out.

Yes. We help you prepare for care costs through tools like investment bonds, tenants in common property arrangements, lifetime interest trusts, and, where suitable, equity release. We’ll tailor a plan to protect your assets and secure your care needs under current regulations.

While you can reduce IHT on your main residence - especially using the Residence Nil Rate Band when passing property to direct descendants - complete removal is rare. We’ll help you explore all realistic options, including gifting and trusts, to find the most effective strategy for your circumstances.

Not at all. Trusts can be helpful, but you don’t always need them. Many effective strategies are simple and cost-effective and don’t involve the complexity or ongoing admin of trusts. We always explain your options and recommend the approach best suited to your needs.

Often, you’ll need a combination. At Finura, we take an integrated approach and can coordinate with your legal and tax professionals. This ensures your advice on wills, trusts, tax, and investments is joined up, so you don’t need to juggle separate advisors.

Not necessarily. Many strategies are designed to give you flexibility and control while still reducing tax liability. For example, certain trusts and investments allow you to retain access or decision-making authority. We focus on approaches that let you maintain control, while effectively protecting your assets.

The best time is now - regardless of your age or wealth. Early conversations give you and your family more options, reduce pressure, and ensure you make the most of available allowances and reliefs. Planning ahead leads to better outcomes and peace of mind.

Critical illness cover pays a lump sum if you’re diagnosed with a specified serious illness (like cancer or heart attack). This helps with bills, debt, or adjustments to your lifestyle while recovering.

Income protection (also known as permanent health insurance) pays a regular income if you can’t work because of illness or injury - covering you until you either return to work, retire, or the policy ends. It covers a wider range of health issues than critical illness and offers longer-term reassurance.

Private medical insurance covers the cost of medical treatment, giving you rapid access to consultations and care, typically in private hospitals. However, it won’t pay out lump sums or replace lost income.

We’ll help you find the right type, or mix, of cover so you and your family are fully protected.

Absolutely. Insurers vary in their underwriting, coverage, pricing, and the types of conditions or lifestyles they’re happy to cover. Some might be better for certain professions, medical histories, or sports. We use our experience and market knowledge to identify which provider - and policy - best meets your specific needs.

A financial planner ensures your insurance arrangements are shaped by your overall financial picture. We base our recommendations on a thorough review of your lifestyle, financial gaps, and goals, then build a protection plan that targets your real needs at the best value. We can also source specialist policies for unique medical backgrounds or requirements, providing truly personalised cover.