ESTATE PLANNING
Wills & Power of Attorney
Creating a Will and setting up a Lasting Power of Attorney (LPA) are essential components of effective estate planning as they ensure your assets are distributed according to your wishes. We can introduce you to legal specialists who can provide specialist advice and support in setting these up.
Inheritance Tax Mitigation
Completely eliminating Inheritance Tax (IHT) isn't always possible, which is why special life assurance policies written in trust are often utilised to mitigate any remaining IHT bill. If no claims are made within seven years, these policies can ensure your beneficiaries receive the full value of your legacy.
Gifts, Loans & Trusts
These tools are powerful in estate planning, allowing you to transfer liquid assets from your taxable estate using trusts. Investments can become Potentially Exempt Transfers (PETs), becoming tax-exempt after seven years. Additionally, Business Property Relief (BPR) can reduce this period to two years, subject to allowances.
According to the Office for Budget Responsibility (OBR) £7.1bn of Inheritance Tax was paid during the financial year of 2022/23 and predicting it will be £9.0bn by 2027/28.
This highlights why effective estate planning is essential to preserving your wealth for future generations and minimising any potential Inheritance Tax (IHT) burden on your estate.
Our expert advisers can help you structure your affairs to circumvent or mitigate this tax effectively ensuring your legacy passes to your stated beneficiaries without a portion going to the state.
Certain investments qualify for Business Property Relief, which can reduce the value of these assets for IHT purposes.
WHAT OUR CLIENTS SAY
Charmaine Hast
"An extraordinary professional service where trust and excellence properly describe this hands out practice. Nothing is too much trouble and they in my experience never fail to deliver excellence at a fair price."
Charles Stinger
"Great advice given in a friendly and comfortable setting. Thank you very much to the team and everyone who helped us!"
Brian Hoban
"Keystone have provided my wife and I with invaluable advice over the years, we would have no hesitation in recommending them."
Michelle O'Connor
"They work hard to get the best product for their clients. I would strongly recommend them."
BOOK YOUR FREE INITAL CONSULTATION!
Let’s make your next move a confident one.
Whether you’re just starting to explore your options or ready to take the next step, our experienced advisers are here to help — no pressure, no jargon, just tailored advice that works for you.
✅ 100% free initial consultation (approx 30 Minutes)
✅ No obligations, just clarity
✅ Speak to a real adviser who understands your goals
Fill out the form and we’ll be in touch shortly to arrange a time that suits you, or call us directly on +44 (0) 208 939 4545
LEGAL DISCLAIMER
Tax treatment varies according to individual circumstances and is subject to change.
Business Property Relief (BPR) invest in assets that are high risk and can be difficult to sell.
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 after taking into account the tax benefits.
These are High Risk products and should only be considered by experienced investors only
Trusts, Inheritance Tax planning, Estate Planning, Wills & powers of Attorney are not regulated by the Financial Conduct Authority.
Will Writing & Powers of Attorney are not part of the Quilter Financial Planning Offering and are offered by referral only