Two men chatting on a farm with cows in the background

Agriculture

Your trusted financial partner Agriculture

At the heart of every successful farming enterprise is a strong, well-coordinated support team.

Mother holding her daughter and standing with a senior man on a farm

Working together for your financial future

As your financial adviser, our role is not to replace your existing trusted relationships, but to complement them. We recognise the vital role your accountant, solicitor, and other professional advisers already play in your business and personal affairs—and we believe the best outcomes can be achieved when we all work together.

Our aim is to work collaboratively with you and your other professional advisers to help you ensure your financial plans are well-coordinated and aligned across key areas such as tax, legal, and financial.

Your financial advice partner

Farming is more than just a business—it’s a legacy, a lifestyle, and often the life’s work of multiple generations.

We’re here to support you with advice that’s grounded in a deep understanding of the agricultural world. Depending on your circumstances and plans for the future, you may need to speak with your solicitor first to structure your business and assets in the most effective way. We are then on hand to help take forward your financial plan.

Long-term wealth planning

Big-picture thinking for multi-generational success. Our advice is tailored to your long-term goals and the unique challenges and opportunities you face— whether that’s supporting the next generation or aiming to build wealth outside of agriculture.

Future planning

Planning for life beyond the farm gate—without stepping away from it. Whether you’re looking to reduce your day-to-day involvement or gradually pass responsibilities to the next generation, your planning can help you structure your income and assets in a way that supports your evolving role.

Diversifying your investment strategy

Making your capital work harder. We’ll help you assess opportunities, working alongside your accountant and solicitor to support smart decisions that balance reinvestment in the farm with broader investment options.

Financial planning and tax efficiency

Making the most of what you’ve worked hard for. By working closely with your other trusted advisers, we can ensure that our financial plan works successfully with your wider arrangements. That way you can navigate inheritance tax, agricultural and business property relief and capital gains tax. Keep in mind that tax treatment varies by individual and may change over time.

Succession planning

Passing on the farm, not the stress. Your financial plan is a crucial piece of the puzzle giving you peace of mind when planning for a smooth transition to the next generation.

Note: While we don’t offer lending directly, we work closely with Lloyds Bank or Bank of Scotland Agricultural Managers, to help you access the right support when needed. It’s important to remember that investments carry risk, and returns aren’t guaranteed.

A financial plan that’s just for you

Financial peace of mind means different things to us at each stage of our lives.

Personal estate planning goals

Personal protection goals
Personal finance goals
Planning your future

Man and women chatting with a farm building in the background

Personal estate planning goals

None of us know what the future has in store for us. If anything did happen to you, how would you like your wealth to be looked after and managed? Things you might want to ask yourself:

Should I write a will?
Do I need a power of attorney?
How can I help the family financially?
How do I pass on my wealth tax-efficiently?
How can I reduce my inheritance tax bill?

Personal estate planning goals

None of us know what the future has in store for us. If anything did happen to you, how would you like your wealth to be looked after and managed? Things you might want to ask yourself:

Should I write a will?
Do I need a power of attorney?
How can I help the family financially?
How do I pass on my wealth tax-efficiently?
How can I reduce my inheritance tax bill?

Personal estate planning goals

Personal protection goals
Personal finance goals
Planning your future

Personal estate planning goals

None of us know what the future has in store for us. If anything did happen to you, how would you like your wealth to be looked after and managed? Things you might want to ask yourself:

Should I write a will?
Do I need a power of attorney?
How can I help the family financially?
How do I pass on my wealth tax-efficiently?
How can I reduce my inheritance tax bill?

Personal estate planning goals

None of us know what the future has in store for us. If anything did happen to you, how would you like your wealth to be looked after and managed? Things you might want to ask yourself:

Should I write a will?
Do I need a power of attorney?
How can I help the family financially?
How do I pass on my wealth tax-efficiently?
How can I reduce my inheritance tax bill?

Your financial wellbeing could be as close as four steps away

Book a free initial consultation

Initial conversation

Your first call will be with a dedicated Personal Wealth Adviser. The conversation will focus on understanding your current situation, your dreams for the future, and what you hope to achieve with your wealth.

Financial planning appointment

The next meeting will focus on developing a deeper understanding of you and your aims for the future. Your Personal Wealth Adviser will explain everything in simple terms and can create a visual timeline of what your financial future could look like.

Presenting your plan

Your adviser will present your plan and their recommendations on a follow-up call. Before presenting the plan they will recap your previous discussion and double check that your situation hasn’t changed.

Putting your plan into action

When you’re happy with your financial plan we can start putting it into action. You’ll be given a login and password for MY SPW. This is a secure web and/or mobile application where you can view the value of your investments, access important documents, and view your advice team contact details.

Start your journey with SPW today

Speak to us

Book a free consultation

Your financial advice partner

Farming is more than just a business—it’s a legacy, a lifestyle, and often the life’s work of multiple generations.