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Professional financial planning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers we can help you make informed decisions about your financial future, in the short, medium and long term.Read More
There are events we can all face that have the potential to wreck lives and families. It’s a difficult issue to think about, but imagine the impact on you and your family should the main earner in your household die or become seriously ill. It may not happen to you – we hope it doesn’t – but it might.Read More
Often, people save for a specific reason and it's usually the safest way to build up a pot of money. It’s less risky than investing, but it offers limited growth. The most you'll earn on the money you save is the interest added. Saving is perfect for people who don’t want to take any risks with their money, and most savings accounts have easy access or are for a fixed term.Read More
Every business needs to protect itself. For most businesses the most valuable asset it has is its people. Without them, a company’s survival could be at serious risk. With that in mind we can help you take the right steps to protect your people and your business.Read More
When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed, so unless you can guarantee a large inheritance or windfall, then you need to provide yourself with a secure income for the rest of your life.Read More
Wealth, just like your health, must be carefully preserved. Your assets need to be protected against the potential threats of erosion by taxation, the effects of inflation and investment risks. Whatever your level of wealth, there is nothing wrong in making the decision to prepare a risk aversion strategy.Read More
Most of us face being taxed on our income, our capital gains, and in some circumstances the value of our estate when we die. Taxation can be very complicated and the rules, reliefs and allowances often change, so it is worth obtaining a clear grasp of how these taxes work by discussing with a professional adviser the most efficient way to arrange your finances.Read More
This tax is often avoidable, however people are losing tens and hundreds of thousands as a result of not being aware of the lawful actions you can take to do so. Research published in 2016 by unbiased.co.uk showed that £550 million was wasted in unnecessary IHT payments in 2015. Read More
Fees vary across the country. In December 2017, Unbiased estimated the average annual cost of a room in a residential home in the UK was between £27,000 and £40,000, and a room in a nursing home costed £35,000 to £54,000*. (*unbiased.co.uk, October 2018)Read More
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Estate Planning & Inheritance Tax Planning

More ordinary people are being subjected to inheritance tax every year, as a result of wide scale home ownership and rising property values.

This tax is often avoidable, however people are losing tens and hundreds of thousands as a result of not being aware of the lawful actions you can take to do so. Research published in 2016 by unbiased.co.uk showed that £550 million was wasted in unnecessary IHT payments in 2015. If you would prefer for your hard-earned assets to pass to your family instead of the State, you must plan and act well in advance.

Inheritance tax (IHT) is currently charged at 40%, and is payable on your estate once your net assets exceed £325,000 (£475,000 if you qualify for main residence nil rate band*). (*As of April 2019)

There are numerous actions that can be taken to eliminate or at least reduce any potential IHT liability, including:

As a first step, you need to understand the value of your estate. We can help you review and calculate your assets.
Putting an effective will in place, which is regularly reviewed is crucial.
The gifting of assets during lifetime.
Using Business Property Relief solutions.
Using Trusts.
The use of appropriate insurance policies.

It is an important component in financial planning, to understand the value of your estate, and we would be happy to help you through the entire process.

You need to plan ahead to ensure that your assets are passed on to your loved ones as efficiently as possible.

Estate planning is not regulated by the Financial Conduct Authority.

Zenith Financial Planning Ltd is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority. Quilter Financial Services Limited and Quilter Mortgage Planning Limited are entered on the FCA register (http://www.fca.org.uk/register) under reference 440703 and 440718.

Zenith Financial Planning Ltd is registered in England and Wales, No. 09448188. Registered Office: Mitre House, School Road, Bulkington, Bedworth, CV12 9JB.

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

Estate Planning & Inheritance Tax Planning

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