More Than Making a Will
Many people think of estate planning as something that only concerns the very wealthy. In reality, with house prices and pension values rising significantly over recent decades, a growing number of families face an Inheritance Tax liability without realising it.
At Optimum we work with clients to develop a comprehensive strategy that balances protecting wealth for future generations with maintaining access to funds throughout their own lifetime.
Protecting Your Assets
We advise on wealth transfer strategies and IHT mitigation whilst always balancing concerns for future generations with personal financial needs. Every client’s situation is unique and our advice is tailored accordingly.
Trust Planning
Inheritance Tax mitigation planning is a complex area, which is especially true where trusts are considered. In this area the need for highly qualified professional advice is absolutely essential. We work alongside specialist solicitors where complex trust structures are required.
IHT-Efficient Investing
There are government-approved investment schemes offering significant IHT benefits. Some investments can provide 100% Inheritance Tax relief after just two years of ownership, whilst maintaining full access to your capital. As independent advisers, we consider all available options to ensure the most suitable strategy for your circumstances.
2027 Rule Changes — Pensions & IHT
Proposed legislation from 2027 may bring unused pension funds into the scope of Inheritance Tax. If you hold significant pension wealth, early planning is strongly advisable. Contact us to discuss the potential impact on your estate.
What We Cover
- Inheritance Tax planning and mitigation
- Trust planning and structuring
- Lifetime gifting strategies
- Business property relief investments
- AIM portfolio IHT planning
- Discounted gift trusts
- Loan trusts and gift and loan plans
- Life assurance written in trust to fund IHT
- Pension and IHT interaction planning