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Inheritance and Estate Planning

Inheritance Tax Planning

Much can be achieved by careful planning and drafting of Wills, and the ability to transfer the unused portion of a nil rate band between spouses or civil partners. This has greatly improved the Inheritance Tax position for many people. However, for those with larger estates, alternative planning solutions are still required and we are experienced in advising on some less widely known opportunities to reduce the impact of IHT.

We will assess how we can minimise your tax liability whilst maximising what you are able to pass on to your loved ones.

Estate Protection

We see Life Assurance as a last resort, but its use in conjunction with the right Trust arrangements can be a powerful planning tool in preserving hard-earned assets for the next generation for a fraction of the cost of the IHT bill. We have access to many years’ experience in advising on the most suitable type of policies to provide you with the reassurance that the provisions you take out will perform the task that youwant it to.

Advice to Trustees

The Trustee Act 2000 imposes specific duties on Trustees. These include the implementation of a standard investment criteria, regular revision of the suitability of the chosen investment strategy, and commensurately, estate planning requires the need for diversification through differing types of investments held. We offer access to advice to Trustees on the suitability of different asset classes and investment risk as well as on the most tax-efficient investment products, to meet the Trust’s objectives.

 For more information, or to arrange an appointment, call 01246 560570 or email info@bannerjoneswm.co.uk.

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