UK financial advice & consulting

Quiet clarity for the wealth you already hold

Ashdown Estate & Wealth helps families and professionals in Scotland and across Britain map estates, pensions and investments before the paperwork hardens into regret.

Book an introductory meeting See estate planning in detail

Coastal light over stone buildings suggesting a settled UK estate setting — Based in Altenwerthfield, Scotland — meetings in person or by video across the UK.

Flagship counsel

Estate & inheritance planning that starts with the map, not the forms

Before anyone redrafts a will, we chart titled property, pensions, gifts already made and the people who depend on them. You leave with a written overview, an inheritance tax estimate and a prioritised list your solicitor can act on.

Typical engagements run three to five weeks from discovery meeting to recommendations. Fees start at £1,450 for a standard estate overview.

Review the estate engagement

Stone house and garden representing family property in an estate plan

Related consultations

Other ways we advise

Each engagement is scoped separately. Choose the conversation that matches the decision in front of you.

Couple reviewing retirement papers at a kitchen table

Retirement Income Planning

Build a sustainable drawdown and annuity strategy around your State Pension, workplace pots and private savings.

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Calculator and pension statements spread on a desk

Pension Consolidation Review

Trace old workplace schemes, compare charges and benefits, and decide whether consolidation makes sense.

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Financial charts and notes on a meeting table

Investment Portfolio Review

An independent look at your ISAs, bonds and general investments against your goals and risk comfort.

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Multi-generational family talking outdoors

Family Wealth Conversations

Facilitated meetings that help parents and adult children discuss inheritances, gifts and shared property plans.

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From clients

“The estate overview flagged that our holiday cottage sat outside the will's main gifts. Sorting that before our solicitor redrafted saved a second round of fees.”
Margaret H., Perthshire

Appointments with room to think

Introductory meetings last about forty minutes. Bring pension statements if you have them; if not, we start with questions and gather documents afterwards.

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From the guides

Recent field notes

11 November 2025

When a will alone is not enough for a Scottish estate

Many families assume a simple will settles everything. In Scotland, property title, prior rights and gifts can still leave gaps.

27 September 2025

Drawing a pension without draining the pot too soon

Flexible drawdown offers choice, but the sequence of withdrawals and tax wrappers matters more than most people expect.