Estate Planning & IHT

Home Estate Planning & IHT

The wish to leave wealth to future generations and to avoid unnecessary Inheritance Tax are often important factors. However, the understandable concern for your children and grandchildren has to be balanced with your own financial needs for retirement. Discuss with us today about reducing inheritance tax (IHT).

divider

Estate Planning begins with your wishes in terms of how your estate is to be managed and for whom. The detail of the actual plan may include gifts, the use of trusts, a review of your will, investment plans and lastly life assurance to fund the tax arising on the residual estate.

We do not draw up Wills or Powers of Attorney but we do advise on how they fit in to the overall plan.

If you have suffered a recent family bereavement we can also help you through the often challenging process of obtaining a grant of probate.

 

Further information about IHT & Estate Planning:

Estate Planning & IHTFinancial Investment Advice
A lifetime’s accumulated wealth will include...
A lifetime’s accumulated wealth will include assets such as a private property, savings, investments and perhaps also shares. Where assets are liquid, a...
 Find Out More
Estate Planning & IHTWhole Life Insurance
Where wealth consists mainly of illiquid...
Where wealth consists mainly of illiquid assets, such as property, an appropriate life policy in trust can provide the means to settle the Inheritance Tax...
 Find Out More
Estate Planning & IHTTrust Planning & Solutions
Lifetime transfers of wealth can be made in...
Lifetime transfers of wealth can be made in trust as a form of asset protection and to ensure monies reach the intended beneficiaries. Contact our trust...
 Find Out More
Estate Planning & IHTWills & Powers of Attorney
You will be aware of the need to have a valid...
You will be aware of the need to have a valid Will, however this is often overlooked as is the need to regularly update the Will to ensure it continues to...
 Find Out More
Love begins by taking care of the closest ones - the ones at home.
Mother Teresa

We look forward to the future now as the past has been very stressful

We would just like to say thank you for the meeting this afternoon, we feel that we have made the right choice in putting our financial Investments with you.  It is a time of change for us and it is important that we feel someone is there to guide us as we move into a new chapter in our lives. We look forward to the future now as the past has been very stressful, and although it gave us financial security, it came at a high cost health wise.  A new less hectic life awaits us although I will have to stop spending so much on little rewards!
Fiducia Client

My thanks to you and the team for your help

You may recall that our affairs were so fragmented that I had to resort to A3 paper in order to be able to read the print out of my spreadsheet. I am pleased to say that I am now back to using A4 paper, so matters are becoming simpler and clearer. My thanks to you and the team for your help with this (and for saving a few more trees).
Fiducia Client

Fiducia are an unfailing helpful and knowledgeable group of people whose investment analysis and advice has helped grow my pension and savings portfolio over the many years I have been privileged to have them as my financial advisers.

Fiducia are an unfailing helpful and knowledgeable group of people whose investment analysis and advice has helped grow my pension and savings portfolio over the many years I have been privileged to have them as my financial advisers. Their careful analysis of my risk profile and their choice of funds for me have increased the value of my portfolio despite the global market upheavals of recent and less recent memory. I find their regular market surveys distributed to clients to have an impressive depth of knowledge. I have no hesitation in recommending their services to friends and family and will continue to do so.
Mr Brown Solicitor, Hadleigh in Suffolk

Fiducia have treated me so well over the years moving my money around, so that overall I have gained and recently when they knew I was considering cashing in my pension they suggested I move it to ‘safe’ investments.

I have had my pension with Fiducia for many years. I am not a big investor. Fiducia have treated me so well over the years moving my money around, so that overall I have gained and recently when they knew I was considering cashing in my pension they suggested I move it to 'safe' investments, as the referendum was about to happen and as we have seen this was excellent advice. This is why they are so good. They suggest actions to the client and are in frequent contact. Previously I was with two different companies and was basically left alone and when I was contacted, it could be from any number of people, whereas the same person has always dealt with me at Fiducia. I have watched this company grow, always putting the client needs first and not just those with large pension pots!
Mrs Clibborn Business Owner, London

The team at Fiducia are consistently professional and successful in managing our affairs, they listen to our preferences and act in our best interest.

The team at Fiducia are consistently professional and successful in managing our affairs, they listen to our preferences and act in our best interest. The communication, commentary and advice that they regularly issue is valuable and reassuring in these volatile times.
Mr Lansdown Business Owner, Brighton, Sussex

You are always so calm, courteous and reassuring.

It is always a pleasure to speak with you on the telephone. You are always so calm, courteous and reassuring.
Mrs Scott Retired, Colchester
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

TrustsNews & Case Studies

View More

As you approach later life, thoughts inevitably turn to making provisions for your children and grandchildren with the wealth and assets you will one day leave behind. One of the key concerns people have around estate planning is how to avoid burdening beneficiaries with unnecessary Inheritance Tax (IHT) bills.

Balanced by the need to maintain your own financial stability throughout retirement, IHT liabilities can be reduced by transferring wealth to loved ones during your lifetime. A combination of gifts and trusts provide legitimate vehicles to this end, while investment planning and life assurance can be used to further lower or offset tax costs.

Our experienced professional team of financial advisers will help you understand the rules and quota limits relating to gifts and trusts, the best ways to organise investments from a tax perspective, and how whole life insurance policies can be used to generate capital sums which cover IHT owed on estates.

The starting point for our estate planning strategies is always your wishes – how you want your estate to be managed, who you want the beneficiaries to be, and what you want the outcome to be in material terms. Guided by you, our specialists will put the plans to place to ensure your wishes are honoured.

Estate planning services summary

  • Trust Planning & Solutions. Trusts offer a means of transferring wealth during your lifetime and protecting assets from IHT liabilities. Find out more here about how we can advise on the different types of trust available, and help trustees meet their legal obligations.
  • Financial Investment Advice. Certain investments become exempt from IHT after a specified period of time. Read more about which investments offer the best options as part of your estate planning strategy.
  • Whole Life Insurance. In the case of illiquid assets such as property, appropriate life policies in trust can generate payouts which offset the IHT liability on your estate. Learn more here.
  • Wills & Powers of Attorney. We do not provide a will writing service, but we can offer specialist advice on the role of wills and powers of attorney in estate planning and management, as explained further here.
  • Bereavement advice. If you have suffered a recent family bereavement, we can help you through the often challenging process of obtaining a grant of probate.
Gain further insight to all things financial

Watch the Fiducia YouTube channel for our Economic and Market updates.

View Channel
Fiducia Wealth Management | An audience with economist Michael Hughes discussing the global outlook.
Latest News from Fiducia