Financial Investment Advice
A lifetime’s accumulated wealth will include assets such as a private property, savings, investments and perhaps also shares. Where assets are liquid, a review of investment strategies can result in a considerable saving in Inheritance Tax (IHT). Contact our financial investment advisers for professional advice today.
Certain investments are exempt from Inheritance Tax after a period of two years and can form a useful part of Estate Planning. In particular we are able to advise on the use of:
Alternative investment markets shares can be free of capital gains tax.
The assets can be utilised as exempt from IHT.
Investment portfolios designed to create excess income could be utilised – so long as they don’t adversely affect your standard of living.
The suitability of such investments will depend on your circumstances and objectives. Our experienced advisers are able to guide you through the options and formulate an appropriate strategy.
Further information about Pensions & Retirement:
Inheritance TaxNews & Case Studies
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A sound investment strategy can bring all sorts of benefits to how you plan your finances for later life, including the eventual disbursement of your estate. As well as increasing the wealth you have to pass on to your children and grandchildren, choosing the right kinds of investment can also result in significant reductions in Inheritance Tax (IHT) liabilities.
Over the course of your lifetime, you are likely to have accumulated wealth in the form of numerous different assets, such as property, savings, shares and so on. When passed on to your loved ones as your estate, the value of these combined assets above the statutory allowance will be subject to IHT, taking a significant bite out of the wealth your beneficiaries receive.
Our qualified and experienced investment advisors can help you maximise the value of assets your family and friends receive by undertaking a complete review of your investment portfolio. Where assets are liquid, we will advise on transferring funds into investments that are either exempt from IHT or which can help you offset the predicted costs.
We are able to advise on the use of:
The Alternative Investments Market offers tax breaks in return for investments in up-and-coming companies. Individual shareholdings in AIMs deliver 100% exemption from IHT and capital gains tax, with qualification starting two years after shares are acquired.
Property, forestry and farming
Investments in commercial property, including purchases of land assets in forestry and agriculture, are subject to Business Property Relief (BRP), which includes relief from IHT. Used appropriately, you don’t have to run a business to benefit from BRP.
Income investment portfolios are commonly used in retirement as a means of topping up funds available from pensions and other sources. However, another use is to generate capital to offset the expected IHT liability on your estate.
The starting point for all financial investment advice we offer is always our clients’ own priorities and objectives. As wealth management and financial planning specialists, we have the expertise to recommend the right investment options for you to reduce your IHT liabilities, without any negative impact on your present and future financial circumstances.
Our experienced advisers are able to guide you through the various options and formulate a bespoke strategy that meets your individual needs.