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What Does Blue Tulip Do?

Wealth Management  

At Blue Tulip, the focus is on achieving and maintaining a complete understanding of your financial needs and aspirations. We believe the best wealth management service is provided through personal, face-to-face advice.


Holding adequate cash reserves is vitally important for covering unexpected expenses. Whether you are looking to hold some cash for a ‘rainy day’, need a temporary home for a much larger sum or need a simple solution to help maximise the interest rate you receive, we can access an appropriate solution.


Retirement Planning

Reviewing your current and future financial situation and obligations, what you would like to do in retirement and when, a clear plan plan can be devised which is also dynamic as changes happen.

Feel confident you can stop working when you choose to and enjoy the retirement you want.

Inheritance Tax Planning

This includes all of your assets such as the family home, investments, life assurance plans not in Trust and even old family heirlooms.

Calculating the IHT liability of your estate is often simple and planning is all about passing as much of your estate as possible to who you want to receive it, rather than to HMRC.

There are a number of solutions that can be used to help reduce the amount of IHT your family will have to pay.

Intergenerational Wealth Management

Intergenerational wealth management is about how families use their collective wealth to support each other during their lifetimes. Traditionally, wealth has passed from one generation to the next upon death.

Intergenerational wealth management challenges that notion and looks at how families are able to use their wealth to support each other during their lifetimes. This offers estate planning and tax mitigation opportunities and providing  assistance to alleviate the financial burdens of everyday life.



A new home, a holiday home, a buy-to-let, or a self-build project.

We can help match you with the best mortgage, buying for yourself or helping your children or grandchildren get a foot on the property ladder.

The home on which the mortgage is secured may be repossess if repayments are not maintained.

Some buy to let mortgages are not regulated by the Financial Conduct Authority.

Wealth & Management

Planning is key



There are many variables before even deciding on where to invest your money; which tax wrapper(s) would be most suitable, risk tolerance, what are your aims for the money, when do you want to access the money.

Once these, and other questions, have been answered a clear plan of where to invest can be created.

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Securing a mortgage for a new property is an exciting time for buyers of all levels, but also be a stressful time.

Speaking to an expert can give the peace of mind, reducing the stress of the whole buying process.

Image by Christian Mackie


With a range of Personal Protection Insurance policies available, you can protect your family and loved ones in the event of death, critical illness, or loss of income, due to illness or injury.

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Investing in 2024

When is the best time to invest?

What should I invest in?

These are the two most common questions I get asked. The answer is always the same.

If you are looking to access the money within 5 years, I would strongly recommend against investing. If looking beyod this time frame, a well balanced portfolio with the risk category that matches you is the correct way forward.

Deciding on what to invest in comes down to various factors; risk tolerance, aims and aspirations for your money, and where else you hold investments to name a few.

Mortgages in 2024

In terms of mortgage rates 2023 was very volatile, 2024 is expected to be less so with the hope the Bank of England will vote to bring down the base rate.


People moving onto the SVR (standard variable rate) of their lender will see potentially sharp increases to their monthly mortgage amount.

Fixed rates have gone from C. 1.5% to a current norm of around 5-5.5%, there appears to have been a slowdown in house sales as homeowners look to renovate rather than move. To predict the trend, Bank of England base rate and mortgage rates in 2024 is nigh on impossible even as we move into 2024.

ISA vs Pension

Whether you wish to invest a lump sum or monthly amounts, which is the best tax-wrapper to use?

Depending on your aspirations for the investment(s) will potentially dictate the answer. Both have pros and cons, with differing tax reliefs and when you can access, the amount you can invest and the IHT rules.

Investing your money isn't as straightforward as choosing the investment and taking advice is key to the right decision.

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