Estate Planning

Estate planning considerations

Areas to consider:

  1. Preserving your family's wealth
  2. Wills
  3. Effects and mitigation of estate duty
  4. Effects of capital gains tax
  5. Trusts
  6. Personal assets
  7. Business Assets

Estate and inheritance tax planning

Inheritance Tax (IHT) is a major concern as more and more estates fall within the IHT threshold. Effective tax planning is essential to avoid leaving a substantial tax liability at death, thereby substantially reducing the value of the estate passing on to beneficiaries.

Within your financial plan we will assess how we can mitigate your tax liability and maximize what you can pass on.

Protecting your family's future

Life is unpredictable, it can be exciting, it can be daunting, but whatever happens, we will work with you to try to help make sure your family's future needs are secured. With careful planning we aim to safeguard your family finances.

We will discuss with you all those areas where we might help you safeguard your dependents and protect them in the event ofany unexpected events like bereavement and sickness. We can advise you on your protection needs, from life assurance to healthcare cover, to reducing your inheritance tax liability, making a tax-efficient will, and providing a tax-free cash lump sum for your dependents in the event of your death.

Financial gifts

It's not just a generous gesture; financial gifting can be a tax-efficient way to provide for your family's future. We can work with you to find the solution that best suits your situation and goals.

It could pay to be generous with tax efficient family gifts. Our Financial Planning Managers have the expertise to advise you on financial gifting and on other tax efficient ways to provide for your children and grandchildren's futures.

When you've worked hard to look after your family, you want to be sure you can pass your assets on to them, and not to the taxman. Many such gifts are exempt from inheritance tax (IHT), including those given out of surplus income or within the annual gift allowance.

We can help you find the solution that most suits your circumstances.

INFORMATION IS BASED ON OUR CURRENT UNDERSTANDING OF TAXATION LEGISLATION AND REGULATIONS. ANY LEVELS AND BASES OF, AND RELIEFS FROM TAXATION, ARE SUBJECT TO CHANGE.

THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE INHERITANCE TAX PLANNING, TRUST ADVICE AND WILL WRITING.

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