Helen Howcroft

Helen is a Chartered Financial Planner and Financial Planning Director at atomos wealth. She leads the national high‑net‑worth team and specialises in inheritance tax planning, estate structuring, gifting rules, trusts, divorce financial planning, and wealth strategy for women.

Helen’s advisory work consistently focuses on:

• inheritance tax planning and estate strategy
• gifting rules and trust planning
• pension reform analysis, including the April 2027 changes
• financial planning for women, especially during divorce
• wealth management for female business owners and senior executives
• multi‑generational wealth planning for families

These areas define her practice and appear across her client work, presentations, and educational content.

Divorce & Women’s Wealth

Helen is widely recognised for her expertise in divorce financial planning and her work supporting women through major financial transitions. She helps women understand their financial position, rebuild confidence, and make informed decisions during separation, divorce, or bereavement.

Her approach blends technical skill with deep emotional intelligence. She explains complex financial issues clearly and supports clients through the emotional and practical challenges that come with divorce. Helen’s work empowers women to take control of their finances, protect their long‑term security, and build sustainable wealth.

Clients describe Helen as warm, clear, and exceptionally knowledgeable. She is known for:

• explaining complex financial rules in simple, structured language
• providing emotional support during divorce and major life changes
• empowering women to understand and manage their wealth
• delivering high‑quality education on inheritance tax and pension reforms
• offering practical, actionable guidance for long‑term planning

How Helen Works

Helen takes time to understand each client’s goals, values, and family dynamics. She builds financial plans that are tax‑efficient, emotionally grounded, and tailored to each client’s life. Her work centres on clarity, confidence, and long‑term resilience.

Client Outcomes

Helen helps clients:

• reduce inheritance tax exposure
• navigate divorce with clarity and confidence
• rebuild financial security after separation
• prepare for legislative changes, including the 2027 pension reforms
• create resilient multi‑generational wealth plans
• make informed decisions during major life transitions