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Lifetime transfers of wealth can be made in trust as a form of asset protection and to ensure monies reach the intended beneficiaries. Get in touch with our trust financial advisors for professional trust planning.

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Depending on the type of trust used, assets gifted during your lifetime will usually fall outside of your estate for Inheritance Tax purposes 7 years after transfer to the trust.

Trusts are also necessary where assets are left to children, whether gifted during your lifetime or on death through your Will.

The Trustee Act 2000 places a number of obligations on trustees, including the need to obtain investment advice where appropriate and to regularly review investments. We are experienced in advising on the most appropriate form of trust to use, often working in conjunction with solicitors, the role of trustees and in devising, implementing and reviewing a suitable investment strategy.

Further information about IHT & Estate Planning:

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Trusts protect assets from Inheritance Tax (IHT) liabilities by allowing you to transfer wealth to loved ones during your lifetime.

Depending on the type used, assets gifted during your lifetime will usually fall outside of your estate for IHT purposes seven years after transfer to the trust.

Our specialist team of financial advisors are here to help you understand the different trusts available, the benefits they offer to your estate and the legal process involved in drawing up the required documentation. We regularly work in conjunction with solicitors to provide clients with a comprehensive trust management service.

We are experienced in advising on the most appropriate form of trust to use, the role of trustees and in devising, implementing and reviewing a suitable investment strategy.

Avoiding probate

As well as helping to reduce IHT liabilities on your estate, setting up trusts is also recommended for avoiding probate in the event of your death.

Even if you have a will setting out how you wish your estate to be disposed of, certain assets, such as property, must be handled by a probate court. The principle behind probate is to ensure that the deceased’s wishes are adhered to, and to resolve any potential conflicts between claimants to the estate.

The probate process carries costs with it. Just as they can be used to avoid unnecessary IHT payments, trusts provide a means to dispose of assets outside the remit of the probate court, saving your beneficiaries the associated time and costs.

The role of trustees

When setting up a trust, you must appoint one or more trustees who will be responsible for ensuring that your wishes are followed upon your death.

The Trustee Act 2000 places a number of obligations on trustees, including the need to obtain investment advice where appropriate and to regularly review investments. As an award-winning team of investment specialists, Fiducia Wealth is ideally placed to help trustees fulfil this criteria and make decisions which best reflect the wishes of the grantor (the person setting up the trust).

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