Why and how we encourage families to plan their finances together

12 August 2026

At its core, financial planning is about making your money work harder for you and your family.

As well as helping you to build and protect your wealth, we also plan to ensure that wealth is passed to the next generation as seamlessly as possible.

Ultimately, we’re here to help remove financial concerns, achieve your long-term goals, and build the fulfilling life you and your family deserve. 

The work we do to support families is one of the most rewarding aspects of what we do.

And we’re not half bad at it.

Our latest client survey revealed that 99.15% of clients believe working with us has helped or will help them achieve their financial goals. And 99.05% would recommend us to their friends, family, or colleagues.

Have you introduced your children to Edward yet?

Edward – Eddy to friends and clients – is our youngest Chartered and Certified Financial Planner. 

In his late 20s, Eddy is the ideal age to support your children as they start their careers and begin to find their financial footing in life.

As Eddy says, “Working with our clients’ children brings a different set of challenges compared to their parents, but the underlying principle remains the same – helping them achieve their goals.

“The focus is often on building for the future, particularly retirement. Working with people in the early stages of their career, I help them make the most of available tax allowances, ensuring they are growing their wealth in the most tax-efficient way possible.

“In some cases, they’re already successful in their own careers, which can add further complexity. But that’s where well-structured financial planning comes into its own, helping them make confident decisions and put the right foundations in place for the years ahead.”

3 key reasons we actively encourage you to introduce family members to us

By taking a joined-up approach to your family’s financial planning, we gain a deeper understanding of your shared goals and values, ensuring we’re well placed to plan for and account for everyone’s concerns and priorities.

As such, we can provide strategic advice, aligned with what matters most to every generation.

Here are three ways we could support your family.

1. Help young adults establish strong financial habits for long-term success

Specifically designed for younger clients, our light-touch planning service is ideal for those just starting their careers or building financial independence.

Since comprehensive financial planning may be a little way off, we focus on establishing sound financial habits, demystifying workplace pensions, and providing a solid foundation from which young clients can build their wealth.

Designed to give young earners greater confidence in their financial decisions, the light-touch planning service provides:

• Clear, practical guidance on budgeting and savings
• Introduction to investing principles and long-term thinking
• Advice on pensions, workplace benefits, and early wealth building.

It’s also a great opportunity for both parties to start forming a strong and trusting relationship, before life and finances become more complex.

2. Ensure your children are prepared to make the most of their future inheritance

Joined-up intergenerational planning with every member of your family can help to ensure your wealth moves seamlessly from generation to generation.

Without careful planning, your legacy could be eroded – not least through Inheritance Tax (IHT).

By working with multiple generations of a family, we can:

• Develop long-term, tax-efficient strategies for passing wealth
• Ensure investment approaches are aligned with your family’s long-term objectives
• Help you avoid common pitfalls in estate planning and mitigate potential IHT charges
• Facilitate open and constructive financial conversations.

We’re here to help ensure that your family is primed and ready to transfer wealth between generations, ensuring more of your hard-earned wealth passes to the people you care about. 

3. Make it a family affair so you can all benefit from reduced fees 

Because planning as a family increases efficiency, we’re able to reduce the fees we charge, so you benefit from a more cost-effective portfolio structure.

As a result, choosing to plan together can:

• Reduce the overall cost of financial advice for your whole family
• Give each of you more granular transparency in how fees are applied
• Gain more value from your joined-up, coordinated strategy.

With lower fees for every member of your family, you’ll all enjoy the financial rewards of working together and taking a joined-up approach to your financial future.

Depledge is growing to support future generations

As we continue to expand our services, our team is growing. 

Following in the footsteps of Dan Gordon and Edward Ainley, Andy Thorp has joined Depledge as our latest Trainee Financial Planner. 

Andy’s appointment reflects our commitment to investing in the future. And by developing talented planners from within, we ensure that the Depledge philosophy of thoughtful, client-focused planning continues to thrive for generations to come.

Get in touch and together we can build a stronger financial future for your whole family

If you have family members who could benefit from professional financial guidance, no matter what stage of life they are at, we would be delighted to help.

Email [email protected] or call us on 0161 8080200.

Please note

This article is for general information only and does not constitute advice. The information is aimed at individuals only.

All information is correct at the time of writing and is subject to change in the future.

The Financial Conduct Authority does not regulate estate planning or tax advice.