Inheritance Tax Planning

Inheritance Tax Planning (IHT) is a complex area that requires consideration and careful planning – often over a number of years. As IFA’s based in Eastbourne, East Sussex, we support clients with inheritance tax planning and advice across the Hastings, Uckfield, Seaford, Crowborough, Newhaven, Lewes, Bexhill, Tunbridge Wells, Brighton and Hove areas. As a result of recommendations from current clients we are providing investment advice well beyond the East Sussex borders too. To arrange a free initial discussion at your home, workplace or our offices contact us today.

The important word here is ‘planning’, as there are inheritance tax rules that can take several years to take effect and leave you in the best position with regards to the tax due on the assets you leave behind. Your estate consists of all the assets you own including property and shares.

You could decide to make larger gifts which, provided you live for seven years after making the gift, will not normally be subject to any inheritance tax. It’s also possible to carry out inheritance tax planning using your home, but you must ensure you follow certain rules which differ depending on whether you decide to still live in the house or move elsewhere, and the seven year rule also applies here.

We offer a range of simple, flexible products to reduce your inheritance tax liability quickly. Unlike gifts or trusts, which take seven years to be fully exempt from inheritance tax, investments in our products provide exemption after just two years. You retain control of your money at all times.

We are able to assess your situation, and recommend a suitable course of action to make sure you leave your loved ones with as much as possible.

We can help you reduce your inheritance tax liability in a variety of ways including:

  • Making transfers which are exempt immediately from inheritance tax (IHT)
  • Gifting arrangements
  • Discounted gift arrangements
  • Loan trusts
  • Business property relief (BPR)
  • Establishing estate planning trusts
  • Lifetime mortgages
  • Arranging insurance written into trust
  • Leaving a charitable legacy

The Financial Conduct Authority does not regulate will writing, taxation and trust advice.

“Paul has dealt with our finances for a number of years and has always shown a very professional approach to our requirements. He always listens to what we have to say and explains everything in such a way that we can understand. He is willing to travel to our home if we are unable to get to his office and is always friendly and courteous in every way.”
Paul & Joan, Brockham, Surrey

Your Advice Steps

01 ➔

Contact Us

Call us on 01323 403 444 or contact us to set up a free initial meeting with one of our financial advisers or mortgage and equity release advisers. We’re happy to meet in person, on the phone or online. Just let us know what you prefer.

02 ➔

Get to know you

This will be a chat to find out a bit more about you, what your financial position and goals are and how we can help. This will be entirely confidential, and you are under no obligation to use our services. We will then give you a plan of what we can do to help.

03 ➔

Sharing your plan

Our advisers will talk through our recommended plan with you giving options to best meet your needs. We will take into account your current financial situation, your goals, appetite to investment risk and timeframes. You will have a chance to ask us any questions and then decide whether you want to go ahead.

04 ➔

Regular reviews

Your financial position will change throughout your lifetime. We are here to help you with regular reviews to make sure your financial plan meets your financial goals and current financial situation. We’ll agree with you when and how we meet on a regular basis to make sure your management plan is right for you.

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    We are not tied to any financial institution and therefore offer you truly independent advice

    A free, initial no obligation review meeting can take place at our offices in Eastbourne East Sussex, at your workplace or in the comfort of your home.

    If you are considering taking independent financial advice we would love to talk to you. Call us without obligation or complete the enquiry form and we’ll contact you as soon as we can.

    We are happy to serve clients with any level of wealth.

    Call 01323 403 444 or use our secure form via the button below.