# R3 Wealth

> Independent financial advisers based in Essex, providing lifestyle financial planning for clients with £250,000+ in investable assets.

R3 Wealth is an FCA regulated independent financial advisory firm based in Thorpe Bay, Essex. We provide whole of market financial advice, meaning we are not tied to any single provider and can recommend the best solutions from across the entire market.

## Services

- **Investment Management** (for clients with £250,000+ investable assets): Bespoke portfolio construction, ongoing management, and regular reviews tailored to your risk profile and goals.
- **Retirement Planning** (for clients with £250,000+ in pensions/investments): Comprehensive pension analysis, drawdown strategies, and retirement income planning.
- **Property Finance**: Residential and buy to let mortgages, remortgages, equity release, and bridging finance.
- **UK Expat Mortgages**: Specialist mortgage advice for British expats buying, remortgaging, or investing in UK property from overseas.
- **UK Expat Mortgages Dubai**: Specialist UK mortgage advice for British expats living in Dubai and the UAE.
- **UK Expat Mortgages Singapore**: Specialist UK mortgage advice for British expats living in Singapore.
- **UK Expat Mortgages Hong Kong**: Specialist UK mortgage advice for British expats living in Hong Kong.
- **Million Pound Mortgages**: Specialist advice for high value mortgage applications above £1,000,000.
- **Mortgage Adviser Harpenden**: Local mortgage advice in Harpenden, Hertfordshire, led by Liz King.
- **Inheritance Tax Advice**: Tax efficient estate planning, trust advice, and strategies to reduce your IHT liability.
- **IHT Knowledge Hub**: Expert guides, articles, FAQs and video resources on inheritance tax planning.
- **Inheritance Tax Calculator**: Free tool to estimate your potential inheritance tax liability, including April 2027 pension changes.
- **Pensions and Inheritance Tax 2027**: How the April 2027 pension changes could affect your estate and what steps to take now.
- **Whole of Life Insurance**: Guaranteed acceptance life cover for estate planning, funeral costs, and inheritance tax.
- **Personal Protection**: Independent advice on life insurance, critical illness cover, income protection insurance, family income benefit, and private medical insurance across the UK.
- **Wills and Power of Attorney**: Will writing, lasting power of attorney, and estate administration.
- **Business Services**: Key person insurance, shareholder protection, group pensions, and employee benefits for business owners.
- **Employee Benefits Advice (Hub)**: Central hub for employee benefits advice for businesses, covering group health insurance, life cover, income protection and critical illness schemes.
- **Group Private Medical Insurance**: A guide to group private medical insurance for businesses, including cover options, costs and tax treatment.
- **Group Life Insurance**: A guide to group life insurance (death in service) for employees, including how policies work and structuring cover.
- **Group Income Protection**: A guide to group income protection insurance, covering long-term sickness benefits for employees.
- **Group Critical Illness Insurance**: A guide to group critical illness insurance, covering lump sum payments for employees diagnosed with serious illness.
- **Employee Benefits for Small Businesses**: A guide to structuring employee benefits for SMEs, director-led companies and growing businesses.
- **SIPP Pension Advice**: Independent advice on Self-Invested Personal Pensions, pension consolidation and investment strategy.
- **SSAS Pension Advice**: Specialist guidance on Small Self-Administered Schemes for business owners and company directors.
- **Moving a SSAS to a SIPP**: Advice on transferring a Small Self-Administered Scheme to a Self-Invested Personal Pension for business owners and directors.
- **Pension Advice Essex**: Independent pension advice for individuals and families across Essex.
- **Financial Planning After Selling a Business**: Independent financial planning advice for business owners and entrepreneurs after selling a company, covering investments, pensions, tax and retirement.
- **Financial Advice for Business Owners (Hub)**: Central hub for financial planning advice for business owners, company directors and entrepreneurs.
- **Pension Planning for Business Owners**: Pension advice for business owners covering employer contributions, SIPP and SSAS pensions.
- **SSAS vs SIPP for Company Directors**: Comparison of SSAS and SIPP pensions for company directors.
- **Inheritance Tax Planning for Business Owners**: IHT advice for business owners including Business Property Relief and estate planning.
- **Retirement Planning for Entrepreneurs**: Retirement planning advice for entrepreneurs transitioning from business income.
- **Investing After Selling a Business**: Investment advice for business owners after a company sale.

## Who We Work With

We typically work with business owners, medical professionals, and individuals holding £250,000 or more in investable assets. Our advice is personal, independent, and built around the life you want to live.

## Local Inheritance Tax Advice

We provide specialist inheritance tax advice across Essex and the surrounding areas, with dedicated pages for the following locations:

- Basildon, Benfleet, Billericay, Braintree, Brentwood, Buckhurst Hill
- Canvey Island, Chelmsford, Chigwell, Colchester, Epping, Essex
- Grays, Hadleigh, Harlow, Hockley, Hornchurch, Ingatestone
- Leigh-on-Sea, Loughton, Maldon, Rayleigh, Romford, Shenfield
- Southend, Thorpe Bay, Wickford, Witham

## Contact

- **Address**: 112 The Broadway, Thorpe Bay, Essex SS1 3HH
- **Phone**: 01702 593969
- **Website**: https://www.r3wealth.com
- **Hours**: Monday to Thursday 9am to 5pm, Friday 9am to 3pm

## Regulatory Information

R3 Wealth is a trading style of R3 Mortgages Ltd (Company Number 08989163). R3 Mortgages Ltd is an Appointed Representative of New Leaf Distribution Limited, which is authorised and regulated by the Financial Conduct Authority (FCA No. 460421).

## Links

- [Homepage](https://www.r3wealth.com/)
- [About Us](https://www.r3wealth.com/about)
- [Our Process](https://www.r3wealth.com/our-process)
- [Meet the Team](https://www.r3wealth.com/team)
- [Media Appearances](https://www.r3wealth.com/media)
- [Knowledge Hub](https://www.r3wealth.com/knowledge-hub)
- [Investment Management](https://www.r3wealth.com/investment-management)
- [Retirement Planning](https://www.r3wealth.com/retirement-planning)
- [Property Finance](https://www.r3wealth.com/property-finance)
- [Expat Mortgages](https://www.r3wealth.com/expat-mortgages)
- [Expat Mortgages Dubai](https://www.r3wealth.com/expat-mortgages-dubai)
- [Expat Mortgages Singapore](https://www.r3wealth.com/expat-mortgages-singapore)
- [Expat Mortgages Hong Kong](https://www.r3wealth.com/expat-mortgages-hong-kong)
- [Million Pound Mortgages](https://www.r3wealth.com/million-pound-mortgages)
- [Mortgage Adviser Harpenden](https://www.r3wealth.com/mortgage-adviser-harpenden)
- [Personal Protection](https://www.r3wealth.com/personal-protection)
- [Whole of Life Insurance](https://www.r3wealth.com/whole-of-life)
- [Health Questions](https://www.r3wealth.com/health-questions)
- [Wills and Power of Attorney](https://www.r3wealth.com/wills-power-of-attorney)
- [Business Services](https://www.r3wealth.com/business-services)
- [Employee Benefits Advice](https://www.r3wealth.com/employee-benefits-advice)
- [Group Private Medical Insurance](https://www.r3wealth.com/group-private-medical-insurance)
- [Group Life Insurance](https://www.r3wealth.com/group-life-insurance)
- [Group Income Protection](https://www.r3wealth.com/group-income-protection)
- [Group Critical Illness Insurance](https://www.r3wealth.com/group-critical-illness-insurance)
- [Employee Benefits for Small Businesses](https://www.r3wealth.com/employee-benefits-small-businesses)
- [Inheritance Tax Advice](https://www.r3wealth.com/inheritance-tax-advice)
- [IHT Knowledge Hub](https://www.r3wealth.com/iht-knowledge-hub)
- [Inheritance Tax Calculator](https://www.r3wealth.com/inheritance-tax-calculator)
- [Pensions and Inheritance Tax 2027](https://www.r3wealth.com/pensions-inheritance-tax-2027)
- [Useful Resources](https://www.r3wealth.com/useful-resources)
- [Relevant Life Insurance](https://www.r3wealth.com/relevant-life-insurance)
- [Relevant Life Insurance for Directors](https://www.r3wealth.com/relevant-life-insurance-for-directors)
- [Relevant Life Insurance for Contractors](https://www.r3wealth.com/relevant-life-insurance-for-contractors)
- [Relevant Life Insurance Tax Benefits](https://www.r3wealth.com/relevant-life-insurance-tax-benefits)
- [Relevant Life Insurance Cost](https://www.r3wealth.com/relevant-life-insurance-cost)
- [Relevant Life vs Personal Life Insurance](https://www.r3wealth.com/relevant-life-insurance-vs-personal-life-insurance)
- [Relevant Life vs Group Life Insurance](https://www.r3wealth.com/relevant-life-insurance-vs-group-life-insurance)
- [Relevant Life Insurance Trust](https://www.r3wealth.com/relevant-life-insurance-trust)
- [Relevant Life Insurance HMRC Rules](https://www.r3wealth.com/relevant-life-insurance-hmrc-rules)
- [Can a Company Pay for Life Insurance for a Director](https://www.r3wealth.com/can-a-company-pay-for-life-insurance-for-a-director)
- [Tax-Efficient Life Insurance for Company Directors](https://www.r3wealth.com/tax-efficient-life-insurance-for-company-directors)
- [SIPP Pension Advice](https://www.r3wealth.com/sipp-pension-advice)
- [SSAS Pension Advice](https://www.r3wealth.com/ssas-pension-advice)
- [Moving a SSAS to a SIPP](https://www.r3wealth.com/moving-ssas-to-sipp)
- [Pension Advice Essex](https://www.r3wealth.com/pension-advice-essex)
- [Financial Planning After Selling a Business](https://www.r3wealth.com/financial-planning-after-selling-a-business)
- [Financial Advice for Business Owners](https://www.r3wealth.com/financial-advice-for-business-owners)
- [Pension Planning for Business Owners](https://www.r3wealth.com/pension-planning-for-business-owners)
- [SSAS vs SIPP for Directors](https://www.r3wealth.com/ssas-vs-sipp-for-directors)
- [Inheritance Tax Planning for Business Owners](https://www.r3wealth.com/inheritance-tax-planning-for-business-owners)
- [Retirement Planning for Entrepreneurs](https://www.r3wealth.com/retirement-planning-for-entrepreneurs)
- [Investing After Selling a Business](https://www.r3wealth.com/investing-after-selling-a-business)
- **Help Children Buy a House UK**: A guide for parents exploring ways to help their children onto the property ladder, covering gifted deposits, joint borrower sole proprietor (JBSP) mortgages, guarantor mortgages, family offset mortgages and the tax implications of each approach.
- [Help Children Buy a House](https://www.r3wealth.com/help-children-buy-a-house)
- **Joint Borrower Sole Proprietor Mortgage**: A detailed guide to JBSP mortgages for parents helping children buy a home, covering how they work, lender affordability assessment, legal advice requirements, benefits, risks and tax considerations.
- [Joint Borrower Sole Proprietor Mortgage](https://www.r3wealth.com/joint-borrower-sole-proprietor-mortgage)
- **Financial Advice for Doctors in Birmingham and Solihull**: Specialist financial planning for NHS doctors, hospital consultants and GPs in Birmingham and Solihull, covering pensions, mortgages, tax planning, family support and wealth management.
- [Financial Advice for Doctors Birmingham](https://www.r3wealth.com/financial-advice-for-doctors-birmingham)
- **Financial Advice for Doctors in London**: Independent financial planning for NHS doctors, hospital consultants, GPs and private practitioners in London, covering pensions, mortgages, tax planning, family financial support and wealth management.
- [Financial Advice for Doctors London](https://www.r3wealth.com/financial-advice-for-doctors-london)
- **Financial Advice for Doctors in Surrey**: Independent financial planning for doctors in Surrey, including Sutton, Cheam and Carshalton, covering pensions, mortgages, tax planning, family financial support and wealth management.
- [Financial Advice for Doctors Surrey](https://www.r3wealth.com/financial-advice-for-doctors-surrey)
- **Financial Advice for Doctors in Essex**: Independent financial planning for doctors in Essex, including Brentwood, Chigwell, Epping and Loughton, covering pensions, mortgages, tax planning, family financial support and wealth management.
- [Financial Advice for Doctors Essex](https://www.r3wealth.com/financial-advice-for-doctors-essex)
- **Financial Advice for Doctors in Kent**: Independent financial planning for doctors in Kent, including Sevenoaks, Tunbridge Wells and Dartford, covering pensions, mortgages, tax planning, family financial support and wealth management.
- [Financial Advice for Doctors Kent](https://www.r3wealth.com/financial-advice-for-doctors-kent)
- **Financial Advice for Doctors in Hertfordshire**: Independent financial planning for doctors in Hertfordshire, including St Albans, Watford and Harpenden, covering pensions, mortgages, tax planning, family financial support and wealth management.
- [Financial Advice for Doctors Hertfordshire](https://www.r3wealth.com/financial-advice-for-doctors-hertfordshire)
- **Financial Advice for Doctors in Sussex**: Independent financial planning for doctors in Sussex, including Brighton, Horsham, Haywards Heath and Crawley, covering pensions, mortgages, tax planning, family financial support and wealth management.
- [Financial Advice for Doctors Sussex](https://www.r3wealth.com/financial-advice-for-doctors-sussex)
- [Careers](https://www.r3wealth.com/careers)
- [Privacy Policy](https://www.r3wealth.com/privacy-policy)