Estate Planning
Inheritance tax and estate planning advice and solutions
Our inheritance tax and estate planning specialists can help you pass on your money in the most effective way
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While Estate planning is not regulated by the Financial Conduct Authority, we adhere to the highest professional standards and follow all relevant legal requirements.
Why Holcombe Financial Services
We take the time to get to know you and your loved ones as well as your financial situation. This means we provide inheritance tax (IHT) and estate planning advice that is tailored to your individual circumstances.
Our specialists will help you to leave a legacy.
What is inheritance tax?
IHT is a tax payable on your estate if it is valued at over £325,000. This threshold is known as the nil rate band. IHT is charged at 40% and is usually paid by the people (other than your husband, wife or civil partner) who inherit your estate after you die. Tax rates depend on individual circumstances and are subject to change.
What is estate planning?
Estate planning focuses on passing on your assets – both during your lifetime and after you die – in line with your wishes and in the most tax-efficient manner.
Managing your IHT liability is a large part of estate planning. The earlier you start planning and the better your plans are, the more you can minimise the impact of IHT on your finances.
How we can help
At Holcombe Financial Services, our estate planning advisers will help to ensure that you have the money you need to live the life you want and to deal with the unexpected. They can give you the confidence to make financial decisions.
Our team will help you and your family with:
• Managing an inheritance tax bill
• Using all available tax allowances
• Calculating a potential IHT bill and your estate value
• Working out how much you can afford to spend or give away
• Passing on your money
• Making charitable gifts
• Using trusts
Our protection specialists
We have a dedicated team of protection specialists who have a deep understanding of the products available. They aren’t tied to any single provider – instead they carry out in-depth due diligence on all insurance providers and products, and maintain an in-house list of approved plans. This means that your financial planner can select the most suitable plans and features to meet the unique needs of your family.
