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How We Work

Take a look at how we work in providing our services.  Here, we explain how we work with you to develop a plan to reduce exposure to Inheritance Tax.  You can access explanations of our other services from the sidebar on this page.

Estate Planning

Prioritise
If saving Inheritance Tax is one of your planning priorities, we will start by estimating the potential size of your legal Estate by assuming you will live until 80 or 85 unless you have cause to consider a different age is more appropriate.

Note that it is usually considered speculative to take action to reduce Inheritance Tax if the liability does not already exist.

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Calculate
We add to your own calculations by using our own lifetime cash flow forecasting tools.

These can be helpful to assess whether it makes sense to release cash from your pension in retirement, working out what estate planning actions can be taken without depleting your resources too much and other things like stress testing your capacity to sustain an investment loss.

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Analyse
We use self-developed tools to assess on a case by case basis things like the likelihood of a drag on cost efficiency by arranging an insured solution to reduce Inheritance Tax as compared with a different approach.

We look for the most cost-effective solution given all the circumstances.

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Inform
We explain our recommendations and how we arrived at them.

For example, if you are at an early stage of wealth accumulation, it is likely we will simply suggest that you to arrange a properly drafted legal will or re-draft one you have already made.

 

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NB - estate planning guidance is not an activity regulated by the Financial Conduct Authority.