Expansion of our in-house IFA team

We’re delighted to introduce a new member of our IFA team.

David Gaweda joined us this month as an independent financial advisor. David, who lives in Ellesmere, Shropshire, has a wealth of experience and is the fourth IFA in our growing team.

Headed up by Dom Richmond, our in-house Cullimore Dutton financial services team offers support, guidance and expert financial advice.

Dom said: “We’re delighted to welcome David to our growing team of independent financial advisors. The combination of our legal and financial services enables us to provide a more comprehensive offering to our clients.”

David said: “It’s great to join the Cullimore Dutton team at such an exciting time with the new city centre office and the continuing expansion of the services the firm is able to offer clients.”

Friendly girl explaining some documentation to parent

Book a place at our December seminar – The Bank of Mum & Dad

Our December seminar will offer advice and tips on how parents can plan for and support the financial future of their children and grandchildren – and we’d love you to come along.

Led by our Financial Services and Family Law teams, we will be discussing key life events and things to bear in mind to ensure your support is best placed and well protected.

We will look at a range of topics including how to fund going to university, how to help a child to get on to or move up the property ladder, protecting a deposit in the event of a relationship break-up and how to finance a wedding.

There will also be inheritance planning tips plus advice about the passing on of pension pots.

Clients are welcome to bring their (adult) children along to the event and there will be plenty of opportunities to ask questions or have a one-to-one session with our team after the event.

This is the second in our newly launched series of seminars. Hosted by our Financial Services and Wills, Trusts and Estates teams, last month we offered advice and answered questions on how to manage your wealth and the benefits of lasting power of attorney.

December’s seminar will take place on Thursday, December 15 between 5.30pm-7.30pm.

To register your place at this free event, taking place in our new office (27 Newgate Street, Chester CH1 1DE) please email visit our website and complete the form or email events@cullimoredutton.co.uk

If you are coming to the seminar, please ring the top doorbell at our main door for access to the building.

  • If you would like to be kept in touch about future seminars please get in touch.
  • If you can’t make the seminar but would like more information about any of the topics, please drop us an email.

The Mini-Budget: What did it mean?

It has been quite a week since the Chancellor Kwasi Kwarteng delivered his so-called Mini-Budget.

While some of the measures were broadly welcomed, they were completely overshadowed by the response to the announcement that the 45% top rate of tax would be scrapped, benefiting only those earning more than £150,000 a year.

Overall, the package of measures unveiled by the new Chancellor amounted to the biggest tax-cutting package since 1972.

Following a turbulent few days, the Government had to beat a hasty retreat, leaving the 45% rate of tax as it is to avoid it “distracting” from the wider objective of growing the UK economy.

The initial reaction of the markets to the U-turn were mildly favourable, but this was from a low base with sterling having fallen to its lowest ever level against the US dollar and bonds and equities also falling sharply in the immediate aftermath of the Mini-Budget.

By way of a reminder, the key announcements included:

Personal tax

There is to be a cut in the basic rate of tax from 20% to 19% which means a tax cut for over 31 million of us. The 45% rate of income tax remains the same following the backlash over the decision to scrap it.

Corporation Tax

The proposed increase in Corporation Tax to 25% has also been abandoned in a move to attract investment into the UK.


The Energy Bill Relief Scheme is to support all non-domestic customers, a move to mirror the Energy Price Guarantee that is available to households.

Investment Zones

New Investment Zones have been created, including Cheshire West and Chester Council, in a bid to accelerate growth in these recently identified areas.


Rules introduced in 2017 and 2021 for how contractors are engaged are to be relaxed with responsibility resting with the company which hires an individual.

Stamp Duty Land Tax

This is to be increased from £125,000 to £250,000 with first time buyers benefitting from an increase to £425,000.


Growing the economy by taking bold steps in how we are taxed is at the heart of the Government’s plans.

What is clear is that the financial landscape for us all, whether employed, self-employed or business owners is changing.

Now, more than ever, the need to take financial planning guidance is critical to ensure that our goals are achieved, our tax managed professionally and our money works as hard as it possibly can.

At Cullimore Dutton we aim to Change Lives by working with clients to support them in everything they want to achieve at every step of the journey. If you would like to speak someone from our specialist finance and estate team, please do not hesitate to contact us on 01244 729073.


Louise Holmes​, Cullimore Dutton Wills, Trusts & Estates

How one of Chester’s few ‘Solicitors for the Elderly’ helps clients to plan ahead

Associate Director Louise Holmes specialises in drafting wills, tax planning, trusts and inheritance tax planning and drawing up Powers of Attorney. She joined the Cullimore Dutton team in June and is passionate about changing the lives of our clients. Here she talks about her work with clients approaching retirement, her home visits and her love of Chester.

What inspired you to become a solicitor?

I picked a career in the law because I wanted to really help people and to make a difference to their lives. For example, one of my specialisms is drawing up Powers of Attorney for people.

This is a legal document that allows someone to make decisions for you or act on your behalf if you are no longer able to do so. It is important for anyone who has money or assets they want to protect – or who wants someone to act in their best interest when it comes to healthcare choices – in a scenario when they can’t personally make the decision.

Most people I help are making them when they hit retirement age and want to get their affairs in order. Having a Power of Attorney in place is like a kindness to a family because it can potentially save a lot of stress.


How did you get started in your legal career?

I began by volunteering at the Citizens Advice Bureau in Chester whilst I was completing my Graduate Diploma in Law (GDL) and really enjoyed it. Before that, I studied Business at Coventry University. Today, working in a busy Wills department really makes me think I have achieved my goal to help people.


Working with the elderly

I am a fully accredited member of Solicitors for the Elderly (there are only a few of us in Cheshire), which means I specialise in dealing with older and vulnerable clients on a regular basis. Being able to explain legal information and options in a clear and sensitive way is particularly important. If clients can’t come into the office, or feel nervous about doing so, I often pop out to see them in their home. I feel very privileged to be invited into someone’s home and to be trusted to help them resolve a legal issue. Sometimes I can be the only person they have spoken to all week and I love chatting to them and hearing about their family history.


What do you love about Chester and working at Cullimore Dutton?

I grew up in Chester and love working in such a beautiful city that is proud of its history.

The people and the excellent reputation of Cullimore Dutton are what makes it such a special place to work. I also like working for an MD who isn’t a solicitor, but has a business background, which fits with my business degree!


Life outside work?

My weekends are a whirlwind of activity running three young children and walking the family’s 8-year-old pet Cavapoo. I am also treasurer of our primary school’s PTA and help to run the Tarvin toddler group every Friday.

You’re invited to our free seminar

We are one of the few law firms to have our own in-house Financial Services division. It means that our clients have access to the best possible legal and financial advice all under one roof.
Our Financial Services Team, headed up by Dom Richmond, works particularly closely with our highly experienced Wills, Trusts & Estates team.
We continually share ideas and ways we can combine our skills and knowledge to provide a quality service to all our clients.
An example of this in action is our upcoming joint seminar on Wednesday, October 12, between 5.30pm-7.30pm, when we will be offering advice on protecting you and your family’s financial future.

We will discuss life changing topics including how to manage your wealth, how to fund your later years, and what you need to consider in order to pass wealth to your family.
We will also look at the importance of Lasting Power of Attorney and the financial protection offered by Pre-Nuptial agreements.
Dom Richmond will be joined in conversation with Louise Holmes, Associate Director of our Wills, Trusts & Estates team.

If you would like to attend the free event, which takes place in our new office, please email events@cullimoredutton.co.uk or you can book your place on Eventbrite. If you can’t make the event but would like to know more about the topics being discussed, or would like to come to future events, please email us.

The event takes place at our new offices: 27 Newgate Street, Chester CH1 1DE.