Receiving an inheritance can bring mixed emotions, as well as a sense of responsibility. When you’re living in the UK and inherit assets from another country, there’s an added layer of complexity.
In the third of a series of case studies showcasing some of the work we’ve done, hear how we helped an artist after she received an inheritance from South Africa. And learn how Lloyd’s friendly, straightforward advice could benefit you and your clients.
Meet Jennifer Morrison, whose inheritance presented a range of opportunities
When London-based artist, Jennifer Morrison, inherited assets from her late mother in South Africa, Jennifer found herself facing a number of financial decisions.
“I was in uncharted territory,” she says. “Dealing with grief, handling legal processes in two countries, and trying to understand what this money meant for my future – it was a lot to take in.”
Watch: Jennifer Morrison tells her story
Jennifer knew she needed clear, practical advice.
Rather than simply thinking about what she could do with the money, she wanted to understand what would be suitable for her goals, lifestyle, and long-term future.
Action
When she first met Lloyd French, Jennifer felt a sense of relief.
Instead of rushing to look at the numbers, he listened.
“He was incredibly human and grounded,” Jennifer recalls. “There was no jargon, no pressure.”
Following an in-depth conversation about what the inheritance meant for Jennifer, Lloyd helped her navigate the complexities of moving money from South Africa to the UK, working in tandem with a trusted international tax adviser.
He ensured the process was efficient, compliant, and tailored to Jennifer’s needs.
Beyond transferring funds, for Jennifer, the key value came from seeing how her financial future could unfold through detailed cashflow planning.
Cashflow planning helped her to visualise her wealth and understand her choices
“Cashflow planning gave me a visual understanding of my finances,” says Jennifer. “It made abstract numbers feel real. I could actually see what the future might look like.”
Through a series of interactive financial models, Lloyd showed Jennifer how different decisions – such as taking a break from work, moving to a new home, or investing in her art practice – might affect her future financial wellbeing.
Rather than focusing on rigid budgeting, Lloyd illustrated various scenarios to help Jennifer make informed choices, and approach her financial future with greater confidence.
Read more: Cashflow modelling: Here are 3 helpful ways it can protect your clients’ long-term plans
In the right hands, cashflow modelling can transform wealth from a static number on a page into a living, evolving tool that supports clients’ lifestyle and ambitions.
Result
Trust is core to Delaunay Wealth’s approach. For us, financial planning is as much about understanding the person as it is about understanding the numbers.
What stood out most to Jennifer was the personal nature of Lloyd’s advice.
“Lloyd genuinely cared about helping me make good decisions. It felt like a collaboration, not a transaction.”
Receiving an inheritance is often emotional. Our job is to help clients take a breath, understand their position, and then plan wisely – whether that’s about spending, saving, or simply getting peace of mind.
The power of planning – for you and your clients
Jennifer’s story is a great example of how tailored financial advice can help turn an unexpected windfall into long-term security and opportunity.
Her experience also highlights how cashflow modelling can give clients the clarity and reassurance they need to make decisions with confidence.
If you, or your clients, are dealing with cross-border assets, inheritance, or significant financial change, it pays to have the right advice early on.
Whether you’re seeking a trusted planner to support your clients, or happen to be navigating these questions yourself, we’re here to help.
Get in touch
To find out more about how we can support you or your clients, please get in touch.
Email mail@delaunaywealth.com or call us on 0345 505 3500.
Please note
This article is for general information only and does not constitute advice. The information is aimed at retail clients only.
All information is correct at the time of writing and is subject to change in the future.
The Financial Conduct Authority does not regulate cashflow planning.
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