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Inheritance Tax (IHT) Planning

Good Inheritance Tax planning can maximise the inheritance that you leave to your loved ones, and prevent them from facing a tax bill they cannot afford.

For 2016/2017, the Nil-Rate Band (the amount of an Estate that is not liable for Inheritance Tax) is £325,000 for single people, or £650,000 for married couples or civil partners where the full allowance is passed on to the surviving spouse. Above this amount, an estate is taxed at 40%, which can prove costly for your beneficiaries. For more information, download our Guide To Inheritance Tax.

To make sure you leave your loved ones as much as possible, we will help you assess your potential liability and discuss with you ways in which it can be mitigated.

Options available include:

  • Gifting assets
  • Uses of a Life Assurance policy within a trust
  • Placing assets or investments into trust
  • Discounted Gift Trusts
  • Gift and Loan Schemes
  • Inheritance Tax reliefs

Each case is different. Our financial advisers will obtain full details of your circumstances before making appropriate recommendations for you.

Contact us now to arrange your free initial meeting with one of our financial advisers in Cambridge, Bury St Edmunds or Chelmsford.

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