Inheritance Tax & Estate Planning advice

 

The payment of tax is essential in helping provide the services on which we depend. Nevertheless, there are many legal and ethical ways to ensure that you don’t pay more tax than you need to.

Tax has become an increasingly complex area and it is easy to miss out on opportunities to make savings. Our tax planning advice can help you with ways to minimise what you pay, including:

  • Building a managed portfolio of investments.
  • Considering in whose name any investments should be held.

 

Bespoke Inheritance Tax Planning (IHT) advice

The freedoms we enjoy in modern day Britain include the opportunity to arrange your financial affairs to benefit family, friends or good causes – we doubt the exchequer is on your list for a legacy.

The starting point is to have a clear understanding of how much you’re worth, if this is likely to rise or fall in the future, and what options are available to you today and over the long term.

An unexpected Inheritance Tax bill can cost your loved ones hundreds of thousands of pounds and may require the forced sale of your family home and other assets – an added stress at an already difficult time.

The good news is that there are ways to legally avoid large IHT liabilities. With proper Inheritance Tax planning and thinking ahead you can leave your beneficiaries as much of your estate as possible.

Tax is a complex area, so it’s best to get specialist advice. Our independent advisers are qualified and experienced so can help you structure your affairs to minimise your liabilities.

We will sit down with you and gather all of the information needed to determine the opportunities you have to save tax, as well as helping you avoid common mistakes. To do this effectively we often liaise with your accountant. You will also benefit from an annual review, to ensure that we take account of any changes in your personal circumstances.

Get in touch today to find out how we can help you minimise your tax liabilities.

Inheritance tax planning is not regulated by the Financial Conduct Authority.

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Meet the team

Will Molony

Will is a founding partner of Rathmore Financial and maintains the same level of enthusiasm and drive for Financial Planning as he did when he entered the industry nearly 40 years ago. It’s just one of the reasons while multiple generations of families have turned to him for financial advice.

A firm believer in having a deep understanding of client needs, Will has used his experience to become an expert in retirement options and pension transfers, and this has enabled him to become a holder of the retirement advice standard from the Society of Later Life Advisers (SOLLA).

Away from Rathmore Financial, Will can be found tending his garden, throwing pots and cheering on Leicester City FC.

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Meet the team

Floyd Fombo

In his 18 years in the industry, Floyd has developed an impressive CV. He has worked as part of a large national IFA’s specialist advisory team, reached the status of Chartered Financial Planner and is Bristol’s longest serving independent SOLLA member.

His experience means that he is equally at home in recommending both conventional and complex financial solutions to his client’s needs – all of which are made based on a deep understanding of their requirements.

Outside of work Floyd spends time with his young family, and can often be found behind the stove or his BBQ as he follows his passion for food beneficiaries.

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Meet the team

Paul Scobie

Paul’s career in financial advice spans over 30 years. During this time he has built an impressive network of both personal and corporate clients, all of whom benefit from his expertise across personal cash-flow planning, at-retirement planning and a rigorous approach to problem solving.

His experience of dealing with an ever-changing saving and investment environment, supported by robust and comprehensive long-term financial planning methods, mean that his clients can be confident his recommendations will stand the test of time.

In his spare time Paul can often be found travelling the globe; a great way to indulge another of his passions – architecture.

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