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Billericay

Essex

CM12 9AJ

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INDEPENDENT FINANCIAL ADVICE CENTRE

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You should remember that past performance is not necessarily a guide to the future. Market and currency movements may cause the value of units, and the value derived from them, to fall as well as rise and you may get back less than you invested when you decide to sell your units. The tax treatment of investments and pensions is not guaranteed and may change in the future.  
Your home is at risk if you do not keep up the  payments on a mortgage
Inheritance Tax (IHT) used to be something that only the wealthy worried about but potentially over 10 million households could be subject to this tax. Fortunately, the recent changes to the rules help some couples mitigate the effects of the this tax.

The current Inheritance Tax rate allowance is £325,000 per individual and it now possible for qualifying couples to carry forward any unused relief until the second death. However, if the estate is valued above £325,000 for an individual or £650,000 for a qualifying couple, the excess is still taxed at 40% !!!  

This tax can for the majority could be classed as a voluntary tax as with careful planning it is possible to mitigate the liability and in some cases totally eliminate it!

Dying in testate can have the opposite affect!

INHERITANCE TAX
For an overview of the main planning areas, click on these links  

Main Exemptions      Intestacy Rules  
   
Deed of Variation      Life Assurance
          
Equity Release          Will Trusts  

IHT Schemes
THE ADVICE CENTRE - making sense of a complicated world