The value of investments can go down as well as up, and the investor could get back less than was paid in. Laws and tax rules may change in the future. Personal circumstances and where the investor lives in the UK will also have an impact on tax treatment.

No guarantees are given regarding the effectiveness of any arrangements entered into on the basis of these comments.

Supporting your clients’ needs

Estate planning is all about ensuring that family wealth passes into the right hands at the right time, with minimum liability to inheritance tax. We not only offer effective estate planning solutions but also expert guidance and support that helps you to make the right decisions for your clients.

Plans we provide

We offer a range of estate planning solutions that support the Wrap Onshore Bond and Wrap International Portfolio Bond. These are provided by Standard Life Assurance Limited, part of the Phoenix Group.

Trusts we provide

Through both Wrap and Elevate we offer access to a range of different trust options.

Discretionary Trust

Lets your client indicate who they would to benefit but the trustees have the final choice.

Discretionary Trust

Lets your client indicate who they would to benefit but the trustees have the final choice.

Absolute Trust

Your client specifies the beneficiaries at the outset when the trust is established. These beneficiaries can’t be changed by the trustees.

Absolute Trust

Your client specifies the beneficiaries at the outset when the trust is established. These beneficiaries can’t be changed by the trustees.

Flexible Trust

Lets the trustees choose who benefits from the beneficiaries defined in the Trust. At outset your client will specify a main beneficiary or beneficiaries. They are entitled to any income (i.e. interest in possession) and will benefit if the trustees don’t make any choice about the trust fund.

Flexible Trust

Lets the trustees choose who benefits from the beneficiaries defined in the Trust. At outset your client will specify a main beneficiary or beneficiaries. They are entitled to any income (i.e. interest in possession) and will benefit if the trustees don’t make any choice about the trust fund.

Bypass Trust

A simple way to pay lump sum death benefits from our Wrap Self Invested Personal Pension or Elevate Pension Investment Account into a trust instead of direct to an individual - giving flexibility, asset protection and potential Inheritance Tax benefits.

Bypass Trust

A simple way to pay lump sum death benefits from our Wrap Self Invested Personal Pension or Elevate Pension Investment Account into a trust instead of direct to an individual - giving flexibility, asset protection and potential Inheritance Tax benefits.

Other tax efficient options

Junior ISA on Wrap

Our Wrap Junior ISA (JISA) offers a tax efficient way to save and invest for a child and a simple way for families to transfer wealth over time. The main attraction of a JISA is that interest, dividends and capital gains on savings are tax free. While only parents (or guardians) can create an account, gifts can be made by anyone. These will be potentially exempt transfers, so there are no immediate IHT consequences and remember your clients have an annual gift allowance of £3,000. This means every individual can give away £3,000 each year without it being added to the value of their estate for inheritance tax purposes.

Junior ISA on Wrap

Our Wrap Junior ISA (JISA) offers a tax efficient way to save and invest for a child and a simple way for families to transfer wealth over time. The main attraction of a JISA is that interest, dividends and capital gains on savings are tax free. While only parents (or guardians) can create an account, gifts can be made by anyone. These will be potentially exempt transfers, so there are no immediate IHT consequences and remember your clients have an annual gift allowance of £3,000. This means every individual can give away £3,000 each year without it being added to the value of their estate for inheritance tax purposes.

Wrap and Elevate pensions

You should consider if your client’s current pension allows pension wealth to be passed to nominated individuals in a tax efficient way or is the only option available on death an annuity or a lump sum which would immediately form part of the beneficiary’s estate. Pensions that don’t offer your clients the range of death benefit options they might require can be transferred to our Wrap Self Invested Personal Pension and Elevate Pension Investment Account which offer a full range of death benefit options to ensure wealth can be passed down generations in a tax efficient way.

Wrap and Elevate pensions

You should consider if your client’s current pension allows pension wealth to be passed to nominated individuals in a tax efficient way or is the only option available on death an annuity or a lump sum which would immediately form part of the beneficiary’s estate. Pensions that don’t offer your clients the range of death benefit options they might require can be transferred to our Wrap Self Invested Personal Pension and Elevate Pension Investment Account which offer a full range of death benefit options to ensure wealth can be passed down generations in a tax efficient way.