Whatever is on your mind, we build one clear, sourced picture of exactly where you stand. Free, and yours to keep.
One short form, and an email when it opens. Information only, not financial advice.
Selling a business
Business exit and estate planning are ready today. Retirement and share options are next.
David sold for £3.5m. Eight things moved his number — the same eight we check every time.
Rates move between tax years. Selling either side of a change can be worth tens of thousands.
~£40k+ in this exampleA pre-sale transfer to a spouse brings a second full allowance into play — but only before completion.
~£100k+ in this exampleSelling to your own team can mean no capital gains tax at all — weighed against price and control.
12%-effective rateAn employer contribution before the sale moves wealth out of the estate and cuts the company's tax bill.
~£118k in David’s caseHow colleagues' options were structured can mean two very different tax bills for them.
£12,600 exampleThe proceeds land straight in your estate, where the residence allowance has usually tapered away.
£1,040,800 illustrativeA large cash estate with an out-of-date will, or no power of attorney, is avoidable risk. Fix it before completion.
£184 + £1,500-£3,000Once you have your picture we can introduce a specialist. Only if you want one.
Free, your choiceIllustration. An example, worked from stated assumptions. Not a calculation of anyone’s position.
Items 6 and 7 aren't an afterthought — once the deal closes, what happens to the proceeds is estate planning. See the full picture on that →
Most owners underestimate what leaves in tax — and by completion, the ways to reduce it are gone.
Rates and reliefs move. Selling either side of a date can be worth tens of thousands.
The question behind the sale. It needs a full picture, not a spreadsheet on the back of an envelope.
One question about a sale, a gift or an option scheme — or the whole position. Talk or type.
We pull what's public; you confirm the figures. Every number shows its source.
Take it to whoever you like — an adviser, a solicitor, or nobody at all.
Taking action now can protect your wealth, your loved ones and your legacy. Here's everything this covers.
The simplest and most important step. A will naming someone who has since died can fail entirely.
Solicitor£150-£800Trusts protect assets, provide for vulnerable beneficiaries, and reduce what is exposed to inheritance tax.
Solicitorfrom £850A spouse's unused allowance can transfer to you. Nothing about it is automatic.
Adviser or solicitor£200,000 foundGifting reduces your estate — but not a home you carry on living in.
Adviser or solicitor£260,000 trapA policy written into trust pays the tax bill directly, without forcing a sale.
AdviserillustrativeWithout one, nobody — not even a spouse of forty years — has authority if you lose capacity.
Solicitor£184 vs 11×A bereavement, a marriage, a new grandchild. An unreviewed plan quietly stops matching reality.
Adviser or solicitorillustrativeHalf of this list is legal work a financial adviser cannot do. We tell you which is which, and introduce the one you actually need.
Free, your choiceIllustration. An example, worked from stated assumptions. Not a calculation of anyone’s position.
Not just for the wealthy. Here is a worked example of the kind of thing we find.
Margaret, 67, was widowed in 2023. Her husband left everything to her, using none of his own inheritance tax allowance. It can transfer to her — but her executors have to claim it within 24 months of her death, or it is lost.
One of the most commonly missed reliefs in ordinary estate planning. It costs nothing to check.
Illustration. Margaret is an example person. Worked from stated assumptions, not a calculation of anyone’s position.
Whether or not you're planning to sell anything, this is worth fifteen minutes. Get your picture →
EMI and unapproved schemes are taxed very differently. Most people do not know which they hold.
Priya, 41, holds 1.5% through EMI options. The lower tax rate on a sale normally needs 5% ownership, so she would fail outright. EMI is a deliberate exception: for genuine EMI shares that test is switched off.
Nobody on the deal is checking this for her. The company's advisers act for the company.
Every option-holder gets their own private picture. Free, and no work from you.
To be clear about the money: you never pay WealthPrism anything. If you engage an adviser you pay their usual fee, and they pay us a share of it because you arrived prepared. You are never the product, no adviser sees anything until you choose, and you'll always see an adviser's fee before you commit to anything. No firm can pay for a better position — we match on fit, and you always see more than one.
Connections are bank-grade and read-only. We hold no client funds and never will.
No adviser can buy position, and none sees anything about you until you choose.
Said, document, connected or computed. Every number carries where it came from, and you can correct it.
Fact-find and first analysis arrive done, source-tagged and confirmed by the client. Position is never for sale, and fees are published or you do not list.
Private-client solicitors sit on the same panel under the same agreement — wills, trusts, powers of attorney and probate, verified against the SRA register rather than against what somebody typed. Not open yet: no firm has joined and no rate is agreed.
Self-serve onboarding, automated FCA Register check, live the same day.
No subscription to list. You pay a share of your fee only when a client engages you.
When a rule changes we sweep your book and tell you who is affected — before they call.
Will-writing is not a reserved activity in England and Wales, so the register a number is checked against is the only thing between a panel and somebody with no regulator at all. We check it.
Tell us where you are and we will email you when it opens. Nothing is built yet, and there is nothing to log in to.
We'll email you to get started. Nothing happens until you're ready.
It is an AI throughout, and that is part of what makes your picture free. Talk on this page, by phone, or type if you prefer. Every figure it hears is shown back for you to confirm before it is used.
No. We give you information about your position — what would happen, what tax would apply, what is worth considering. We never tell you what to do. That is regulated advice and only an authorised adviser can give it.
You never pay us, and you do not need a card. If you take an introduction, you pay that adviser their usual fee and they pay us a share of it — because you arrive prepared. The picture is free. Advice is not, and you will see its price before you commit.
No. No adviser sees anything unless you ask for an introduction and choose who.
That is often the best time. Most ways to reduce tax on a sale need lead time, and by signing they have gone. We keep your picture current until then.
Yes. EMI options are often taxed far more favourably than unapproved ones, and the qualifying clock usually starts when the option was granted, not when you exercise. We show what they are likely to be worth, the tax, and when you would need to act. Your employer never sees it.
Yes — and it is usually not a separate conversation from a sale, because the same wealth is immediately exposed to inheritance tax. We check transferable allowances, gifting and protections either way.
Often both, for different parts. A will, a trust, a power of attorney and probate are legal work — a financial adviser cannot do them, and probate is a reserved activity only certain professionals may carry out. Your picture says which parts are which. Our solicitor panel is not open yet: no firm has joined and no rate is agreed.
No, and it matters. Will-writing is not a reserved activity in England and Wales — anyone may charge to write one, with no regulator, no compulsory insurance and nobody to complain to. Any firm we introduce will be checked against its regulator's register first.
Connections are bank-grade and read-only: we see balances, never move money. Delete everything whenever you ask.
What a sale, an inheritance or your options would leave you with after tax, what the tax is made of, and how timing changes it. Every figure shows where it came from.
Land cheap · Own the relationship. Advisers pay ~£3,000 (median) to win a client. (illustrative market figure) We acquire them free, at the moment of intent, with an intake that produces a complete, source-tagged picture. Then the consumer chooses who to speak to.
Advisers are priced out of the mass market by acquisition costs, and consumers do not engage: 42% say they do not need advice, a third do not trust it enough to pay — yet 91% of those who take it find it helpful. That is a confidence and access problem, not a value one.
The hardest fact-find and the highest-value client a wealth manager ever wins — plus the moment that's often not even a separate conversation: the same £2,632,000 left after a sale — that is after CGT and deal costs — lands straight in the estate — illustratively, £1,040,800 of inheritance tax — that is the £2,632,000 left after CGT and deal costs, plus £620,000 of other assets, less both transferable nil-rate bands of £650,000, taxed at 40% and the residence allowance has tapered away — unless the exit itself is structured with that in mind. Both launch together, each with its own genuine urgency trigger; each also feeds the other. Retirement and equity comp are the same engine, later. UK-first beachhead; the engine is global.
A maintained, nine-domain UK reasoning engine — versioned, source-tagged, specialist-authored — plus the consumer relationship and a compounding dataset. Hard to build; harder to keep current.