Chartered Financial Planner · Inheritance Tax & Trust Specialist
I’m Clive Perks. For over thirty years, families across London and Surrey have trusted me with the two biggest financial questions of their lives: how to grow and manage what they have, and how to make sure far more of it reaches their children and grandchildren, rather than the taxman. If you’ve built something worth protecting, you and I should talk.
The choice every family makes — by planning, or by default
Inheritance tax is charged at 40% above your allowances. Those allowances have been frozen for years while your home, pensions and investments have kept growing. From April 2027, most unspent pensions will be counted in your estate too. Nothing about that is inevitable. It simply depends on which of these futures you choose.
The families who pass on the most aren’t the luckiest.
They’re the ones who started the conversation early enough.
What I do
Most families are passed between an adviser, a solicitor and an accountant. The best opportunities fall through the gaps between them. My career has been built on closing those gaps, so you get the whole picture from someone who knows your whole story.
Building wealth is a discipline: clear goals, tax-efficient structures, patient investing and a plan that flexes as life does. I help you grow what you have with purpose, so your money is always working towards the life you actually want, and the legacy you intend.
Chartered Financial Planner · APFS
Inheritance tax is largely a voluntary tax. It is paid most heavily by families who planned too late, or not at all. With the right strategy, started early, far more of a lifetime’s work reaches your children and grandchildren instead of HMRC.
Headed financial services at a leading tax advice firm
Trusts are the finest tool ever devised for protecting family wealth — and one of the most misunderstood. I’ve spent years working alongside lawyers acting as professional deputies and trustees, structuring estates so the right money reaches the right hands at the right time.
Alongside professional deputies & trustees
Why I do it
My dad died when I was a year old. My mum, who lived with a disability all her life, raised me on her own. She taught me that what matters isn’t how many times life knocks you down, but how many times you get back up. And she showed me, every day, what it means to put the people you love first.
Caring for her in her later years, I saw from the inside how much difference the right planning makes to a family, and how much it costs when it’s left too late. I decided the families I work with would never find themselves in that position.
That conviction became a career: Chartered status, heading up financial services for a leading tax advice firm, and years alongside lawyers and tax specialists. There I learned a truth most of the industry still ignores.
Today my son Marcus, a first-class honours graduate and qualified financial adviser, works beside me. We built a father-and-son practice for a simple reason: when your life’s work is helping wealth pass well between generations, it helps to be living that yourself.
True wealth management cannot exist in silos. By bringing financial, legal and tax expertise into one seamless framework, I close the blind spots where siloed advice quietly fails families like yours. My practice is strictly outcome-driven: built to defend what you’ve created, sharpen your tax efficiency, and give your legacy the strongest possible chance of arriving precisely as you intended.
“Wealth isn’t measured by what you accumulate.
It’s measured by what it does for the people you love.”
Your questions
It’s the most natural thought in the world. And it’s precisely how most inheritance tax gets paid. The most powerful tools in estate planning are the ones that reward time: lifetime gifts need seven years to leave your estate entirely, and trusts do their best work over decades.
Early doesn’t mean urgent. It means unhurried, considered, and done on your terms.
A generation ago, that was probably true. Today, a family home in London or Surrey plus pensions and savings is often enough to cross the frozen thresholds. From April 2027, unspent pensions join the calculation.
Inheritance tax stopped being a tax on the wealthy some years ago. It’s now a tax on the unprepared.
Good. You’ll want them. But each sees one part of the picture, and the costliest mistakes I’ve unpicked in thirty years all happened in the gaps between good professionals who never spoke to each other.
My role is different: one person who understands the financial, legal and tax dimensions together, and makes sure the whole plan actually joins up.
An hour, at no cost and with no obligation. You’ll leave with three things: a clear view of where your estate stands today, an honest picture of what’s at stake if nothing changes, and the options open to you — in plain English, with no pressure to act on any of them.
Whatever you decide afterwards, you’ll decide it better informed.
How I see a good plan — and a good life
to hold the vision: the wealth you want to build, and the legacy you want to leave the people you love.
to commit to the plan, and hold your nerve when markets, tax rules and life itself test it.
to enjoy the journey. Wealth well planned buys the finest thing money can offer: peace of mind, and a life genuinely lived.
A financial plan should hold all three. That’s the difference between managing money and building a legacy.
Work with me
The advice itself happens at Supportive Financial Planning — the independent, father-and-son firm I run with Marcus. Your first conversation costs nothing, commits you to nothing, and gives you:
You’ve spent decades building it. Spend one hour making sure it lands where you intend.