Introduction:
Of all the taxes, this is the one that seems so unfair. Your personal wealth has been accrued from TAXED money... and then it suffered more TAX on any gains made by your investments. So, having to give HMRC ANOTHER 40% is seemingly very unfair.

Imagine if you paid 40% on your income, then suffered a further 18% on gains made - and added a final 40% to the end result. That doesn't leave much does it?

Bespoke Planning:
Every client situation is unique - an Estate can be made up of a large number of different classes of asset, including pensions. This is why our IHT planning is bespoke for every individual.

The following are some examples of where our IHT planning can be beneficial:

Special Investment Option:
Given the right investment advice by a qualified Advisor, a client with a small sum to invest (such as £50,000), is able to invest in a special company which qualifies under the Enterprise Investment Scheme (EIS) rules. What this means is that their investment immediately qualifies for possible income tax and capital gains tax benefits.

However this is not the main benefit behind the planning! Their are IHT implications too:

After the business has run for 2 years, the investment will fall outside of their Estate for IHT purposes under the "Business Property Relief" (BPR) rules. Once this "BPR" has been earned, they can (at any time in the future) make a further investment into the company and have this second amount (such as £1m) fall outside their Estate immediately. This second investment has to be carried out in a specific way, but enables some last minute planning to take place. Funds for this second investment could come from a loan secured on their Estate - which will be repaid soon after death when the company structure is no longer needed.

IHT Planning for Couples:

It is possible to put planning in place that opens up the use of 4 Nil Rate Bands - not just the 2 that most people assume is the limit.

Of course there are many many more solutions - all underpinned by an IHT expert.

Contact Us NOW - For more information.

Please note: We are not investment or pensions advisors, so anything you read on this web site should not be taken as formal investment or pensions advice.

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