Culverhouse & Co.

Culverhouse & Co. A Professional Services firm of Chartered Accountants and Chartered Financial Planners.

We are a Chartered Professional Services Practice of Chartered Accountants and Chartered Financial Planners, offering self assessments, Accounts preparation, Pension and Tax planning as well as Retirement planning, Investment planning, Financial protection and Inheritance tax planning.

๐—ฆ๐˜„๐—ถ๐˜๐—ฐ๐—ต๐—ถ๐—ป๐—ด ๐—ฎ๐—ฐ๐—ฐ๐—ผ๐˜‚๐—ป๐˜๐—ฎ๐—ป๐˜๐˜€ ๐—ถ๐˜€ ๐˜€๐—ถ๐—บ๐—ฝ๐—น๐—ฒ ๐˜„๐—ถ๐˜๐—ต ๐—–๐˜‚๐—น๐˜ƒ๐—ฒ๐—ฟ๐—ต๐—ผ๐˜‚๐˜€๐—ฒ & ๐—–๐—ผ.If you're looking for proactive support, clear advice and a team t...
17/07/2026

๐—ฆ๐˜„๐—ถ๐˜๐—ฐ๐—ต๐—ถ๐—ป๐—ด ๐—ฎ๐—ฐ๐—ฐ๐—ผ๐˜‚๐—ป๐˜๐—ฎ๐—ป๐˜๐˜€ ๐—ถ๐˜€ ๐˜€๐—ถ๐—บ๐—ฝ๐—น๐—ฒ ๐˜„๐—ถ๐˜๐—ต ๐—–๐˜‚๐—น๐˜ƒ๐—ฒ๐—ฟ๐—ต๐—ผ๐˜‚๐˜€๐—ฒ & ๐—–๐—ผ.

If you're looking for proactive support, clear advice and a team that genuinely understands you and/or your business, we'd be delighted to help.

Decided you want to switch your accountant or just curious? Give us a call for a free, no-obligation conversation and let us handle the transition while you focus on what matters most ๐Ÿค

Contact details here: https://www.culverhouse-accountants.co.uk/contact

๐—›๐—ผ๐˜„ ๐˜๐—ผ ๐—ฆ๐˜„๐—ถ๐˜๐—ฐ๐—ต ๐—”๐—ฐ๐—ฐ๐—ผ๐˜‚๐—ป๐˜๐—ฎ๐—ป๐˜๐˜€ ๐—ช๐—ถ๐˜๐—ต๐—ผ๐˜‚๐˜ ๐——๐—ถ๐˜€๐—ฟ๐˜‚๐—ฝ๐˜๐—ถ๐—ป๐—ด ๐—ฌ๐—ผ๐˜‚๐—ฟ ๐—•๐˜‚๐˜€๐—ถ๐—ป๐—ฒ๐˜€๐˜€Many business owners stay with the same accountant for years, ...
16/07/2026

๐—›๐—ผ๐˜„ ๐˜๐—ผ ๐—ฆ๐˜„๐—ถ๐˜๐—ฐ๐—ต ๐—”๐—ฐ๐—ฐ๐—ผ๐˜‚๐—ป๐˜๐—ฎ๐—ป๐˜๐˜€ ๐—ช๐—ถ๐˜๐—ต๐—ผ๐˜‚๐˜ ๐——๐—ถ๐˜€๐—ฟ๐˜‚๐—ฝ๐˜๐—ถ๐—ป๐—ด ๐—ฌ๐—ผ๐˜‚๐—ฟ ๐—•๐˜‚๐˜€๐—ถ๐—ป๐—ฒ๐˜€๐˜€

Many business owners stay with the same accountant for years, even when they feel they're no longer receiving the level of service, advice or support they need ๐Ÿ˜ฌ

๐—ง๐—ต๐—ฒ ๐—ด๐—ผ๐—ผ๐—ฑ ๐—ป๐—ฒ๐˜„๐˜€ ๐—ถ๐˜€ ๐˜๐—ต๐—ฎ๐˜ ๐˜€๐˜„๐—ถ๐˜๐—ฐ๐—ต๐—ถ๐—ป๐—ด ๐—ฎ๐—ฐ๐—ฐ๐—ผ๐˜‚๐—ป๐˜๐—ฎ๐—ป๐˜๐˜€ ๐—ถ๐˜€ ๐—ผ๐—ณ๐˜๐—ฒ๐—ป ๐—บ๐˜‚๐—ฐ๐—ต ๐—ฒ๐—ฎ๐˜€๐—ถ๐—ฒ๐—ฟ ๐˜๐—ต๐—ฎ๐—ป ๐—ฝ๐—ฒ๐—ผ๐—ฝ๐—น๐—ฒ ๐—ฒ๐˜…๐—ฝ๐—ฒ๐—ฐ๐˜. Whether you're looking for more proactive advice, better communication or support to help your business grow, changing accountants can be a straightforward process with minimal disruption to your day-to-day operations โœ…

๐—ง๐—ต๐—ฒ ๐˜€๐˜„๐—ถ๐˜๐—ฐ๐—ต ๐—ถ๐˜€ ๐—ฒ๐—ฎ๐˜€๐˜†. Find out more: https://www.culverhouse-accountants.co.uk/post/how-to-switch-accountants-without-disrupting-your-business

Thinking of switching accountants? Learn how to change accountants smoothly, what paperwork is involved, and how Culverhouse & Co makes the process simple.

๐—œ๐—ป๐—ต๐—ฒ๐—ฟ๐—ถ๐˜๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ง๐—ฎ๐˜… ๐—ง๐—ต๐—ฟ๐—ฒ๐˜€๐—ต๐—ผ๐—น๐—ฑ ๐—จ๐—ž ๐—˜๐˜…๐—ฝ๐—น๐—ฎ๐—ถ๐—ป๐—ฒ๐—ฑ (2026 Update with 2027 Pension Changes)Inheritance Tax (IHT) is no longer just a ...
14/07/2026

๐—œ๐—ป๐—ต๐—ฒ๐—ฟ๐—ถ๐˜๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ง๐—ฎ๐˜… ๐—ง๐—ต๐—ฟ๐—ฒ๐˜€๐—ต๐—ผ๐—น๐—ฑ ๐—จ๐—ž ๐—˜๐˜…๐—ฝ๐—น๐—ฎ๐—ถ๐—ป๐—ฒ๐—ฑ (2026 Update with 2027 Pension Changes)

Inheritance Tax (IHT) is no longer just a concern for the very wealthy. With frozen thresholds, rising property values, and major rule changes on the horizon, more families across the UK are being drawn into its scope.

๐—”๐—ป๐—ฑ ๐—ณ๐—ฟ๐—ผ๐—บ ๐Ÿฒ ๐—”๐—ฝ๐—ฟ๐—ถ๐—น ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿณ, ๐˜๐—ต๐—ฒ๐—ฟ๐—ฒโ€™๐˜€ ๐—ฎ๐—ป ๐—ถ๐—บ๐—ฝ๐—ผ๐—ฟ๐˜๐—ฎ๐—ป๐˜ ๐˜€๐—ต๐—ถ๐—ณ๐˜ ๐˜๐—ผ ๐—ฏ๐—ฒ ๐—ฎ๐˜„๐—ฎ๐—ฟ๐—ฒ ๐—ผ๐—ณ: ๐—บ๐—ผ๐˜€๐˜ ๐˜‚๐—ป๐˜‚๐˜€๐—ฒ๐—ฑ ๐—ฝ๐—ฒ๐—ป๐˜€๐—ถ๐—ผ๐—ป ๐—ณ๐˜‚๐—ป๐—ฑ๐˜€ ๐˜„๐—ถ๐—น๐—น ๐—ฏ๐—ฒ๐—ฐ๐—ผ๐—บ๐—ฒ ๐˜€๐˜‚๐—ฏ๐—ท๐—ฒ๐—ฐ๐˜ ๐˜๐—ผ ๐—œ๐—ป๐—ต๐—ฒ๐—ฟ๐—ถ๐˜๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ง๐—ฎ๐˜….

If you havenโ€™t reviewed your estate recently, this change could significantly increase your exposure.

Find out more: https://www.culverhouse-accountants.co.uk/post/inheritance-tax-threshold-uk-explained-2026-update-with-2027-pension-changes

With 2027 pension changes on the horizon, here's a guide to the Inheritance Tax threshold (UK 2026).

๐—Ÿ๐—ผ๐—ผ๐—ธ๐—ถ๐—ป๐—ด ๐—ณ๐—ผ๐—ฟ ๐—ฎ๐—ป ๐—œ๐—ป๐—ฑ๐—ฒ๐—ฝ๐—ฒ๐—ป๐—ฑ๐—ฒ๐—ป๐˜ ๐—™๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—”๐—ฑ๐˜ƒ๐—ถ๐˜€๐—ฒ๐—ฟ? ๐Ÿ” Claire Wise DipPFS is able to provide the advice that is best for each i...
12/07/2026

๐—Ÿ๐—ผ๐—ผ๐—ธ๐—ถ๐—ป๐—ด ๐—ณ๐—ผ๐—ฟ ๐—ฎ๐—ป ๐—œ๐—ป๐—ฑ๐—ฒ๐—ฝ๐—ฒ๐—ป๐—ฑ๐—ฒ๐—ป๐˜ ๐—™๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—”๐—ฑ๐˜ƒ๐—ถ๐˜€๐—ฒ๐—ฟ? ๐Ÿ”

Claire Wise DipPFS is able to provide the advice that is best for each individual.

She believes firmly in building close working relationships with clients, working in the way that suits the client best, at the pace that is most comfortable for them.

Why not book a no-obligation call? https://www.culverhouse-accountants.co.uk/independent-financial-advisor-bromley

Meet Claire Wise DipPFS, who can help with a range of services including: retirement planning, pension advice, investment planning, inheritance tax planning, wealth management. Your local Independent Financial Adviser in Bromley.

๐Ÿฒ ๐—ช๐—ฎ๐˜†๐˜€ ๐˜๐—ผ ๐—ฅ๐—ฒ๐—ฑ๐˜‚๐—ฐ๐—ฒ ๐—œ๐—ป๐—ต๐—ฒ๐—ฟ๐—ถ๐˜๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ง๐—ฎ๐˜… ๐—Ÿ๐—ฒ๐—ด๐—ถ๐˜๐—ถ๐—บ๐—ฎ๐˜๐—ฒ๐—น๐˜† ๐—ถ๐—ป ๐˜๐—ต๐—ฒ ๐—จ๐—žInheritance Tax (IHT) can take a significant portion of your esta...
10/07/2026

๐Ÿฒ ๐—ช๐—ฎ๐˜†๐˜€ ๐˜๐—ผ ๐—ฅ๐—ฒ๐—ฑ๐˜‚๐—ฐ๐—ฒ ๐—œ๐—ป๐—ต๐—ฒ๐—ฟ๐—ถ๐˜๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ง๐—ฎ๐˜… ๐—Ÿ๐—ฒ๐—ด๐—ถ๐˜๐—ถ๐—บ๐—ฎ๐˜๐—ฒ๐—น๐˜† ๐—ถ๐—ป ๐˜๐—ต๐—ฒ ๐—จ๐—ž

Inheritance Tax (IHT) can take a significant portion of your estate if no planning is in place. With a 40% tax rate on assets above the threshold, even modest estates - particularly those including property - can face substantial tax bills โ—๏ธ

The good news is that there are well-established, legitimate ways to reduce your Inheritance Tax exposure. The key is understanding your options and acting early ๐Ÿค

Before considering any planning strategies, itโ€™s important to know what youโ€™re entitled to. Speaking to a Chartered financial professional like ourselves can help you understand your options clearly and make informed decisions ๐Ÿ’ก

https://www.culverhouse-accountants.co.uk/post/6-ways-to-reduce-inheritance-tax-legally-in-the-uk

6 ways to reduce inheritance tax legitimately in the UK. Before considering any planning strategies, itโ€™s important to know what youโ€™re entitled to. Speaking to a Chartered financial professional like ourselves can help you understand your options clearly and make informed decisions.

๐—ฃ๐—ฎ๐˜†๐—ถ๐—ป๐—ด ๐—ฃ๐—ฟ๐—ถ๐˜ƒ๐—ฎ๐˜๐—ฒ ๐—ฆ๐—ฐ๐—ต๐—ผ๐—ผ๐—น ๐—™๐—ฒ๐—ฒ๐˜€: ๐—›๐—ผ๐˜„ ๐˜๐—ผ ๐—ฃ๐—น๐—ฎ๐—ป ๐—ณ๐—ผ๐—ฟ ๐—˜๐—ฑ๐˜‚๐—ฐ๐—ฎ๐˜๐—ถ๐—ผ๐—ป ๐—–๐—ผ๐˜€๐˜๐˜€A first-class education is one of the most valuable gifts you...
08/07/2026

๐—ฃ๐—ฎ๐˜†๐—ถ๐—ป๐—ด ๐—ฃ๐—ฟ๐—ถ๐˜ƒ๐—ฎ๐˜๐—ฒ ๐—ฆ๐—ฐ๐—ต๐—ผ๐—ผ๐—น ๐—™๐—ฒ๐—ฒ๐˜€: ๐—›๐—ผ๐˜„ ๐˜๐—ผ ๐—ฃ๐—น๐—ฎ๐—ป ๐—ณ๐—ผ๐—ฟ ๐—˜๐—ฑ๐˜‚๐—ฐ๐—ฎ๐˜๐—ถ๐—ผ๐—ป ๐—–๐—ผ๐˜€๐˜๐˜€

A first-class education is one of the most valuable gifts you can give a child ๐Ÿ“š

However, with private school fees continuing to rise, many families are asking an important question: "How can we confidently afford private education without compromising our wider financial goals?"

Careful school fees planning can help families prepare for the future, manage rising costs and create a strategy that supports their childrenโ€™s ambitions.

Read more: https://www.culverhouse-accountants.co.uk/post/paying-private-school-fees

Paying private school fees - or planning to? Discover how financial planning can help you prepare for rising education costs and secure your childโ€™s future.

๐—ง๐—ต๐—ฒ ๐—จ๐—ž ๐—ต๐—ฒ๐—ฎ๐˜๐˜„๐—ฎ๐˜ƒ๐—ฒ ๐—ถ๐˜€ ๐—ต๐—ฒ๐—ฟ๐—ฒ (๐—ฎ๐—ด๐—ฎ๐—ถ๐—ป) โ˜€๏ธWhile weโ€™re all searching for shade, fans, and refreshing drinks, itโ€™s also a good rem...
06/07/2026

๐—ง๐—ต๐—ฒ ๐—จ๐—ž ๐—ต๐—ฒ๐—ฎ๐˜๐˜„๐—ฎ๐˜ƒ๐—ฒ ๐—ถ๐˜€ ๐—ต๐—ฒ๐—ฟ๐—ฒ (๐—ฎ๐—ด๐—ฎ๐—ถ๐—ป) โ˜€๏ธ

While weโ€™re all searching for shade, fans, and refreshing drinks, itโ€™s also a good reminder that your finances need a little care and attention too.

A regular review can help make sure your plans still match your goals, whatever the weather brings.

We're always happy to help discuss how we could potentially help you and your financial future. Reach out for a no-obligation call: https://www.culverhouse-accountants.co.uk/contact

๐—œ๐—ป๐—ต๐—ฒ๐—ฟ๐—ถ๐˜๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ง๐—ฎ๐˜… ๐—ฝ๐—น๐—ฎ๐—ป๐—ป๐—ถ๐—ป๐—ด ๐—ถ๐˜€ ๐—ป๐—ผ ๐—น๐—ผ๐—ป๐—ด๐—ฒ๐—ฟ ๐˜€๐—ผ๐—บ๐—ฒ๐˜๐—ต๐—ถ๐—ป๐—ด ๐˜๐—ผ ๐—น๐—ฒ๐—ฎ๐˜ƒ๐—ฒ ๐˜‚๐—ป๐˜๐—ถ๐—น ๐—น๐—ฎ๐˜๐—ฒ๐—ฟ. With changing rules and rising asset values, many ...
03/07/2026

๐—œ๐—ป๐—ต๐—ฒ๐—ฟ๐—ถ๐˜๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ง๐—ฎ๐˜… ๐—ฝ๐—น๐—ฎ๐—ป๐—ป๐—ถ๐—ป๐—ด ๐—ถ๐˜€ ๐—ป๐—ผ ๐—น๐—ผ๐—ป๐—ด๐—ฒ๐—ฟ ๐˜€๐—ผ๐—บ๐—ฒ๐˜๐—ต๐—ถ๐—ป๐—ด ๐˜๐—ผ ๐—น๐—ฒ๐—ฎ๐˜ƒ๐—ฒ ๐˜‚๐—ป๐˜๐—ถ๐—น ๐—น๐—ฎ๐˜๐—ฒ๐—ฟ.

With changing rules and rising asset values, many families could face unexpected tax liabilities without the right preparation.

Your estate may include far more than you realise - from property and investments to pensions and other assets. Without a clear plan, your family could be left with difficult decisions, reduced inheritance, or the need to sell assets to cover tax โ—

๐—ง๐—ต๐—ฒ ๐—ด๐—ผ๐—ผ๐—ฑ ๐—ป๐—ฒ๐˜„๐˜€? Early planning can make a significant difference: https://www.culverhouse-accountants.co.uk/inheritance-tax-planning-kent ๐Ÿ’ก

Now is the time to review your position, understand your options, and make sure your wealth is passed on in line with your wishes ๐ŸŽฏ

๐—•๐—ผ๐—ผ๐—ธ ๐—ฎ ๐—ป๐—ผ-๐—ผ๐—ฏ๐—น๐—ถ๐—ด๐—ฎ๐˜๐—ถ๐—ผ๐—ป ๐—ฐ๐—ผ๐—ป๐˜ƒ๐—ฒ๐—ฟ๐˜€๐—ฎ๐˜๐—ถ๐—ผ๐—ป ๐˜„๐—ถ๐˜๐—ต ๐˜‚๐˜€ ๐˜๐—ผ๐—ฑ๐—ฎ๐˜† to see how Inheritance Tax planning could apply to you: https://www.culverhouse-accountants.co.uk/contact ๐Ÿ“ž

Expert inheritance tax planning in Kent. Speak to Chartered advisers to understand your exposure and reduce potential tax liability.

๐—œ๐—ป๐˜ƒ๐—ฒ๐˜€๐˜๐—ถ๐—ป๐—ด ๐——๐˜‚๐—ฟ๐—ถ๐—ป๐—ด ๐— ๐—ฎ๐—ฟ๐—ธ๐—ฒ๐˜ ๐—ฉ๐—ผ๐—น๐—ฎ๐˜๐—ถ๐—น๐—ถ๐˜๐˜†: ๐—ฆ๐˜๐—ฎ๐˜† ๐—™๐—ผ๐—ฐ๐˜‚๐˜€๐—ฒ๐—ฑ ๐—ผ๐—ป ๐—Ÿ๐—ผ๐—ป๐—ด-๐—ง๐—ฒ๐—ฟ๐—บ ๐—š๐—ผ๐—ฎ๐—น๐˜€Periods of market uncertainty can be uncomfortable fo...
01/07/2026

๐—œ๐—ป๐˜ƒ๐—ฒ๐˜€๐˜๐—ถ๐—ป๐—ด ๐——๐˜‚๐—ฟ๐—ถ๐—ป๐—ด ๐— ๐—ฎ๐—ฟ๐—ธ๐—ฒ๐˜ ๐—ฉ๐—ผ๐—น๐—ฎ๐˜๐—ถ๐—น๐—ถ๐˜๐˜†: ๐—ฆ๐˜๐—ฎ๐˜† ๐—™๐—ผ๐—ฐ๐˜‚๐˜€๐—ฒ๐—ฑ ๐—ผ๐—ป ๐—Ÿ๐—ผ๐—ป๐—ด-๐—ง๐—ฒ๐—ฟ๐—บ ๐—š๐—ผ๐—ฎ๐—น๐˜€

Periods of market uncertainty can be uncomfortable for investors. Economic challenges, geopolitical events, inflation concerns and market fluctuations often create headlines that can make even experienced investors question their strategy ๐Ÿ“Š

While uncertainty is never welcome, it is important to remember that market volatility is a normal part of investing. ๐—ง๐—ต๐—ฒ ๐—ธ๐—ฒ๐˜† ๐—ถ๐˜€ ๐—ผ๐—ณ๐˜๐—ฒ๐—ป ๐—ป๐—ผ๐˜ ๐˜๐—ผ ๐—ฟ๐—ฒ๐—ฎ๐—ฐ๐˜ ๐—ฒ๐—บ๐—ผ๐˜๐—ถ๐—ผ๐—ป๐—ฎ๐—น๐—น๐˜†, ๐—ฏ๐˜‚๐˜ ๐˜๐—ผ ๐—ฒ๐—ป๐˜€๐˜‚๐—ฟ๐—ฒ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ถ๐—ป๐˜ƒ๐—ฒ๐˜€๐˜๐—บ๐—ฒ๐—ป๐˜ ๐—ฝ๐—ผ๐—ฟ๐˜๐—ณ๐—ผ๐—น๐—ถ๐—ผ ๐—ฟ๐—ฒ๐—บ๐—ฎ๐—ถ๐—ป๐˜€ ๐—ฎ๐—น๐—ถ๐—ด๐—ป๐—ฒ๐—ฑ ๐˜„๐—ถ๐˜๐—ต ๐˜†๐—ผ๐˜‚๐—ฟ ๐—น๐—ผ๐—ป๐—ด-๐˜๐—ฒ๐—ฟ๐—บ ๐—ผ๐—ฏ๐—ท๐—ฒ๐—ฐ๐˜๐—ถ๐˜ƒ๐—ฒ๐˜€ ๐ŸŽฏ

Read more: https://www.culverhouse-accountants.co.uk/post/investing-during-market-volatility-stay-focused-on-long-term-goals

Investing during market volatility can be unsettling for investors. Learn how diversification, long-term thinking and regular portfolio reviews can help you navigate volatility.

๐—›๐—ฎ๐˜ƒ๐—ฒ ๐—ฌ๐—ผ๐˜‚ ๐—ฅ๐—ฒ๐˜ƒ๐—ถ๐—ฒ๐˜„๐—ฒ๐—ฑ ๐—ฌ๐—ผ๐˜‚๐—ฟ ๐—˜๐˜€๐˜๐—ฎ๐˜๐—ฒ ๐—Ÿ๐—ฎ๐˜๐—ฒ๐—น๐˜† โ“Your estate can change significantly over time - property values, savings, investm...
30/06/2026

๐—›๐—ฎ๐˜ƒ๐—ฒ ๐—ฌ๐—ผ๐˜‚ ๐—ฅ๐—ฒ๐˜ƒ๐—ถ๐—ฒ๐˜„๐—ฒ๐—ฑ ๐—ฌ๐—ผ๐˜‚๐—ฟ ๐—˜๐˜€๐˜๐—ฎ๐˜๐—ฒ ๐—Ÿ๐—ฎ๐˜๐—ฒ๐—น๐˜† โ“

Your estate can change significantly over time - property values, savings, investments, pensions, and family circumstances all play a role in your potential Inheritance Tax position ๐Ÿ’ก

Many people donโ€™t review their plans until itโ€™s too late. Understanding your allowances, how gifts may be treated, and what options are available can make a meaningful difference.

Regular reviews of your position can help ensure your plans remain aligned with your goals and the legacy you want to leave: https://www.culverhouse-accountants.co.uk/post/how-much-inheritance-tax-will-i-pay

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