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Expert Inheritance Tax Planning Adviser
If you’re confused about inheritance tax, or you’d like to learn more about getting your affairs in order, our specialist service is here to help.
IHT Planning is best dealt with holistically, taking into account all of your finances and goals
We have many years of experience in advising clients across the country who wish to protect their estate, and we provide a tailored service for each individual. Our company is well qualified to answer questions and enable you to organise your assets.
Based in Devon
Verified client
They gave me their time to help choose the best options for me going forward and to help plan for down the line. I know I'm in good hands.
Based in Cumbria
Verified client
Ripley Wales Financial Planning have looked after our finances now for over ten years and we feel more than qualified, on that basis, to unreservedly recommend their services.
Based in Cambridgeshire
Verified client
They have managed my pension and income drawdown, keeping in touch regularly about decisions to be made, and making useful strategic suggestions.
Based in East Sussex
Verified client
They did a great assessment on risk and a gained a detailed understanding of my goals and set a course accordingly.
Based in Cornwall
Verified client
They showed me what was possible, what I needed to do to achieve this and a likely outcome. But also pointed out the possible high's and the low's.
Based in Devon
Verified client
They were very knowledgeable and professional without any awkwardness, I immediately felt relaxed and confident that they could assist me.
Based in Hertfordshire
Verified client
Ripley Wales Financial Planning advised me on the best ways to protect my pension fund and how to plan for my desired future.
Based in Buckinghamshire
Verified client
They keep a keen interest in the performance of the investments within the pension and advise me when they think we should change anything.
Based in Cornwall
Verified client
By looking at our personal situation and finances they started investing for us, by assessing our comfort levels for 'risk' and tailoring our investments.
Business Property Relief invests in assets that are high risk and can be difficult to sell such as shares in unlisted companies. The value of the investment and the income from it can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits.
Watch this video on Estate & IHT Planning…
We have the expertise to help clients navigate the complexities of inheritance tax. Start planning today…
Ripley Wales Financial Planning provides professional, precise advice for our clients and their future. We aim to help individuals like yourself, plan and make the most out of your assets and liabilities. Ripley Wales Financial Planning specialise in Inheritance Tax Planning.
Flexible Reversionary Trust
The FRTs (Flexible Reversionary Trust) are effective for IHT planning purposes and are versatile in meeting the client’s income needs.
Save 40% IHT after 7y
Money is invested
Optional access capital each year
Keep control over money and eventual beneficiary(ies)
Trust set up is semi-complicated
Investment amount usually limited to Nil Rate Band
Must survive for 7y
Discounted Gift Trust
A discounted gift trust (DGT) is a trust based inheritance tax (IHT) planning arrangement for those who wish to undertake inheritance tax planning but also need an income.
Potential Immediate IHT discount
Further IHT saving (up to full 40%) after 7y
Money remains invested
Keep control over money and eventual beneficiary(ies)
Will provide regular payments with deferred tax
Trust set up is semi-complicated
Investment amount usually limited to Nil Rate Band
Income amount is not adjustable
Must survive for 7y on non-discounted portion
Loan Trust
A loan trust is used to move future accumulation of capital outside of a taxable estate. It is a device for freezing or slowing down estate and IHT expansion.
Limits growth in IHT liability
Retain full access to initial investment
Any growth is outside of your taxable estate
Keep control over money and eventual beneficiary(ies)
Money is invested according to risk
Loan repayments as lump sums or regular payments
Doesn't reduce current IHT liability
Whole of life
This option (Whole of Life (WOL) policy) could be more suitable for inheritance tax planning. This will pay the benefit amount on death – regardless of when that is.
Immediately effective
Retain full access and control over your assets
Very straight forward
Can be expensive, depending on lifespan
Requires spare expendible income
Business Relief Investment
Business Property Relief (BPR) has allowed small businesses to be passed through the generations without incurring an Inheritance Tax (IHT) liability.
Exempt from IHT after 2y
Optional income taxed as capital
Retain full access to assets
Can utilise existing ISAs
Risk discussion required
Underlying investments selected by investment manager
Gifting
You may assume that it’s relatively easy to mitigate IHT by gifting assets to loved ones, but this is not always the case.
No Costs
Save 40% IHT after 7y
Very straight forward
Lose control and access to assets, entirely
Must survive for 7y
Providing professional, precise advice for our clients and their future
We specialise in assisting clients to mitigate inheritance tax legally and without touching the grey areas of tax avoidance and evasion. We have been offering this service for many years and we are more than experienced to help you in your decision-making process.
Inheritance Tax itself sounds daunting, however, we are here to ease the process for you.
The benefits of our service
We often have clients come to us with a desire to eliminate issues for their children at the same time as protecting their own financial future. Often, there’s a dilemma between leaving your children as much as possible and leaving yourself with enough to get by comfortably.
Inheritance tax planning can help you to enjoy peace of mind that your future is secure and that your children and any other beneficiaries won’t be faced with a minefield when you pass. Our advisors have the best knowledge and experience to identify effective solutions and make savings.
Why choose us?
If you’re looking for a great inheritance tax planning company, look no further. We are different to other companies as we are experienced and driven, and we know about inheritance tax planning. We have an in-depth knowledge of many acceptable and legitimate processes that can be undertaken to help you and your family to make the most of your assets. Every client is in a unique position, and we adapt the way we work to provide services that work.
It can be a very complex and convoluted matter, but with our team in your corner, you will have nothing to worry about.
Benefits of our service
Our advisors have the best knowledge and experience to identify effective solutions and make savings. We operate in the South West and the rest of the UK, and we assure you that you’re in safe hands. Whether you have a substantial amount of cash or your assets lie in investments or property, we have an expert team on hand to help. Seeing a specialist company like us could help save you a significant amount of money.
Why choose us?
If you’re looking for the best inheritance tax planning company, look no further. We are different to other companies as we are experienced and driven, and we know about inheritance tax planning. We have an in-depth knowledge of many acceptable and legitimate processes that can be undertaken to help you and your family to make the most of your assets. Every client is in a unique position, and we adapt the way we work to provide services that work.
Business Property Relief & Enterprise Investment Schemes invests in assets that are high risk and can be difficult to sell such as shares in unlisted companies. The value of the investment and the income from it can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits.