There are many aspects involved with estate planning and our advisers understand how complicated it can feel to get the right solutions in place. That’s why we take the time to talk through all your options, offering advice in simple terms to help you feel confident about your decisions and financial future. We consider the requirements of our clients on an individual basis, offering tailored advice that’s based around your specific needs. With our estate planning services, we look to find you the best resolution, providing both reassurance and security.
No matter what stage you’re at in life, there’s always value in estate planning. Whether you’re in your 30s and thinking about your Will*, need to know how inheritance tax could affect you, your family or your beneficiaries, or want to create a trust* to pass assets on efficiently, we’re here to help. Find out more about our range of estate planning services below.
In an age where the online world is at our fingertips, why shouldn’t your wealth management be there as well? Our Online Services allow you to access all your wealth investments in one smart place. Whether you’re already registered, or just about to, here are some great features that can help you get the most from your online account.
Registering for Online Services with an activation code allows instant access. If you haven’t got a code, please contact your adviser. Registering online ensures all information is password protected.
Set your communication preferences to receive your digital reports and electronic correspondence.
Make online debit card payment for ISA and any JISA top ups with a debit card
linked to your account, on demand and at a time that suits you. Make payments to Unit Trusts, Retirement Accounts and new ISAs. (Speak to your adviser in order to get this process started) View the value of your investments in a range of currencies and see a breakdown of
this valuation. Instant notifications when a new document is available to view.
For every client opting for paperless correspondence, St. James’s Place will donate £5,to the St. James’s Place Charitable Foundation.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.
The favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation.
Less well-known is that children can also have a pension fund as soon as they are born – and setting one up can bring significant tax advantages. Even if your child is a non-taxpayer, they will still get basic-rate tax relief on contributions. That means a maximum of £2,880 a year is automatically grossed up to take account of tax at 25%, giving an annual investment of £3,600
Our goal is to provide clear, accurate advice so that you can make well-informed decisions when it comes to estate planning.
Estate planning can help you navigate and provide protection for the future. Whether you are dealing with a power of attorney or managing a person’s financial or personal tax affairs before or after they have died, it is extremely important to ensure you have the right support.
Find out more about our advice services:
Powers of Attorney involve the referral to a service which is separate and distinct to those offered by St. James’s Place and are not regulated by the Financial Conduct Authority.
Estate Administration will involve matching you with a third-party solicitor who will manage the process in a way that looks to secure the best financial outcome for the estate and beneficiaries. We only refer solicitors to clients who are part of our contacts and they provide a service which is separate and distinct to those offered by St. James’s Place.
A Trust is a legal entity that holds assets on behalf of beneficiaries according to the Trust Deed set forth by the trust creator, known as the Settlor. At Lester Brunt, our focus is on helping you find the most suitable Trust that aligns with your goals and makes it easier to manage, distribute and protect assets.
*Trusts are not regulated by the Financial Conduct Authority.
A Will lets you determine the future of your money, property and possessions after your death, which is vital to Inheritance Tax planning. It is important to ensure your Will is well written and is drawn up to reflect your wishes, we have access to a range of legal service providers, ready to assist.
*Will writing involves the referral to a service that is separate and distinct to those offered by St. James’s Place. Wills are not regulated by the Financial Conduct Authority.
Careful Inheritance Tax (IHT) planning is all about passing as much of the proceeds of an estate as possible to chosen beneficiaries rather than to HMRC. It is also about maintaining flexibility and control over any arrangements that are made. Our advisers can help you find the most suitable solution for minimising the impact of IHT upon your taxable estate.
Should a liability to inheritance tax be triggered by your death, a large proportion of your wealth, including assets such as the family home, investments and even heirlooms, will be included in your Estate. However, steps can be taken to reduce the value of your estate and leave assets for future generations through gifting. Whilst there are no limits on gifting, subject to exceptions, you must normally survive each gift by seven years to avoid any potential tax implications. Our advisers are here to make your options as clear as possible.
The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.
At Lester Brunt, our aim is to simplify all aspects of financial planning, delivering advice that is clear and easy to understand, putting you back in charge of your finances. When it comes to estate planning, we take the time to get to know you and your family, giving us the opportunity to assess your needs and deliver tailored advice that takes into account your life as a whole.
For more details about services that we offer reach out to us on 01202 695801, or click the button below.