Ensuring that your wealth benefits the people you care about, and minimising any potential inheritance tax (IHT) liability, takes careful planning and regular reviews as your wealth grows, your life evolves and tax rules change.
Estate planning is not solely about what happens after your death. It also helps you make decisions about what to distribute, and when, during your lifetime. Planning how to manage (and when to spend) your cash, investments, pension funds and property allows you to make the most effective use of tax-free allowances and funds which sit outside your estate for IHT purposes.
Whatever your age now, if you have accumulated significant assets, it is never too early to consider how to pass them on. As your assets grow, your position may change, so we recommend annual reviews to keep your plan in line with your wealth, wishes, and current tax rules.
But we also understand that it can be a difficult subject to talk about.
Our confidential, tailored advice will help you to feel more comfortable discussing sensitive issues with your loved ones. We’ll help you to refine your ideas about how best to help those you care about most, while ensuring that you don’t lose sight of whose wealth it is in the first place. We’ll give you the confidence that the people you choose will get the most benefit from your wealth, while ensuring that you retain the control and access to your assets that you need during your lifetime.
James and his team have helped me with a number of issues this year from pensions management to a re-mortgage. The team has been professional and responsive and I have been very grateful for the support they have given me and my family.
I was initially looking for advice on investment and then more recently pension provision and planning for retirement. Veronica has been exceptionally supportive in understanding the many changes in my life both personal and financial and advising on how best to approach investment and securing my future financial security.
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