Estate and succession planning
If you’ve got kids, or step kids, perhaps a favourite nephew or niece, you might want to leave them a monetary gift to go with their memories of you. You might also like to leave money to charity. When the time comes our advisers will be there to help you plan your legacy and – if you choose – they can involve the family, so everyone knows who’s getting the diamonds when the time comes.
While some of us want to spend it while we can, there will be many others who want to pass on some of the wealth they’ve worked hard for. For these people, managing any inheritance tax liability is paramount, as is making sure the money they leave ends up with the right people at the right time.
It’s true that HM Revenue & Customs (HMRC) rules when it comes to estate planning and tax are incredibly complex and can change at short notice. Luckily our advisers are here to help bring clarity and, if you want to leave money to your kids, or theirs, they can build this into your financial plan.
A large part of this is looking for tax-efficient ways for you to gift money while you’re alive and ways to leave money on your death, without reducing your standard of living or leaving your loved ones with a large, unexpected Inheritance Tax (IHT) bill.
Our independent financial advisers can help you minimise, or offset, any IHT liability, by looking at your circumstances and using their knowledge on allowances, schemes and rules to create a suitable planning strategy.
We’ll discuss a number of options with you, including:
- Lifetime gifting
- Life cover
- The use of investments in IHT planning (and their associated risks)
- Trusts and lump-sum arrangements
The plan that’s right for you might include some, or all of the above, but what’s crucial is that we consider these options in line with your goals and aspirations – in life and beyond.
Specialist advice areas
Inheritance Tax planning
IHT planning is a financial planning strategy that aims to identify and make use of those opportunities, to ensure more of your estate goes to your…
Financial gifting
As well as being extremely gratifying, gifting money to loved ones during your lifetime can help reduce any potential Inheritance Tax (IHT) bill when you pass…
Estate Planning
Developing a lifelong financial plan, that enables you to live the life you want, is a rewarding and exciting experience. After all, what’s the use of working…
Intergenerational planning
Intergenerational planning essentially means making sure your financial plan can benefit not just you, but other members of your family.
Care Fees Planning
The possibility of needing long-term care later in life is often overlooked when planning for retirement. Yet the financial impact of funding later-life care…
Equity Release
Speaking to a professional financial adviser can unlock your route to early retirement. Together, you can visualise what it looks like for you and work out if…
Get in touch
To get started with Estate and succession planning, telephone us on…
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Find an adviser
Where and how we meet depends on whatever’s most convenient for you, but we have a number of locations around the UK if you’re happy to come to us.
Other services we offer
We provide a complete range of financial services with specialists in every category so that we can match you with the most suited adviser for your needs
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