Independent financial advice
in Nottingham & the East Midlands

We understand that in the event of your death you would want to maximise the value of the estate that passes to your loved ones.  Planning today could help you limit your inheritance tax liabilities in the future.  No inheritance tax is charged on the value of your estate up to £325,000, everything above that is taxed at 40%. 

We are an Independent Financial Advice firm (IFA) in Bingham and Woodthorpe Nottingham offering financial advice and mortgage advice in the surrounding areas of Newark, Grantham, Lincoln, Sheffield, Leicester and Derby.

Our aim is to offer clear, simple, sensible advice and an excellent, open and shared ongoing process of advice and life planning, with very competitive and transparent fees and a highly personalised service to all our clients across Nottingham and the areas surrounding Nottinghamshire and across the East Midlands.

Inheritance tax is paid on an estate when somebody dies.  Only estates of value over the threshold are subject to inheritance tax. In 2014-2015, the threshold was set at £325,000.  If an estate is worth over £325,000, the first £325,000 of the inheritance is tax-free, inheritance tax is charged at 40% on anything above the threshold.

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All home visits are free and undertaken on a no obligation basis.  An assessment of your estate planning needs is completed during the initial consultation with open discussion of fees depending on what services are agreed as appropriate.

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Inheritance Tax  (IHT) is currently liable on an individual’s assets over £325,000 at a rate of 40%. The allowance can be shared between Married couples and civil partners effectively doubling the allowance to £650,000.

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The rules on intestacy (inheritance where a Will has not been made) are quite complex and depend on who survives the deceased. The points to remember are that generally speaking the spouse or civil partner will not inherit everything.

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Planning ahead for when you die allows you to set out clearly who should get what from your estate.  

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Where an estate is liable to inheritance tax, the tax is usually payable within six months of the end of the month in which the death occurred. 

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A trust is a legal relationship whereby one individual (the settlor) transfers his or her assets (the trust fund) to another individual or company (the trustee) who holds and manages these assets for the benefit of others (the beneficiaries) named by the settlor. 

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The main types of trust are Absolute Trusts and Discretionary Trust. Here we explain the difference between the two types of trusts.

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