Investments / Wealth and Portfolio Management
For lump sum investments or regular savings outside of a pension, there are several essential stages to the design of the most successful solution. These include the clients own personal feelings about risk and reward, ethical investment options, timescale of investment etc. Our approach is to provide a suitable mix of investment (asset allocation) that should provide the best returns, consistent with the client sleeping well at night. Please note: That the value of your investment can fall as well as rise and you may get back less than you have invested.

Inheritance Tax, Trusts and Estate Planning
Inheritance Tax (IHT) is currently paid at the rate of 40% on estates in excess of the nil rate band which currently sits at £325,000 (2011/2012). Estates given on death to a spouse or civil partner generally escape IHT, and any unused nil rate band can now be passed on to the spouse/civil partner. This means that couples with assets much above £650,000 may well need to plan for IHT mitigation on second death.

This is a complex matter that needs to take into account the couple’s need for capital and income during their lifetime, balanced with the wish to avoid IHT upon death. Really effective IHT planning needs to be done in plenty of time, but it requires careful balancing of all the circumstances and objectives.

Levels, bases of and reliefs from taxation may be subject to change and their value depends on the individual circumstances of the investor.

Please note: The Financial Conduct Authority does not regulate taxation and trust advice.