Legacy
Leaving your loved ones more than just fond memories
Financial considerations for getting married
Creating your legacy

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 Her Majesty’s Revenue and 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 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:

  • Will planning
  • Power of Attorney
  • 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.

Poviding for your family in an uncertain world
Providing for your family in an uncertain world

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Small but important print

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Registered in England and Wales

Amber River Group Limited is not authorised to give financial advice. The financial planning businesses who are part of the Amber River Group are separately authorised businesses and therefore able to give advice.

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