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Keeping it in the family

Listen back to the recording of our webinar where our experts discuss the various life stages of a couple to highlight the inheritance tax (IHT) issues and what can be done. We look at when they first get together as a young couple, through their burgeoning careers, wealth and family, right through to retirement and beyond. 

The life stages covered include:

  • Young couple: Age 30
    The unmarried couple have just bought their first home together. They are doing well with their income and savings for their age, but by the time they retire they are already facing an IHT liability.    
  • Married couple: Age 45
    They are now married with two children. We look at ownership of the home, the importance of Wills and Powers of Attorney and the effects on their potential IHT.
  • Approaching retirement: Age 60
    As they reach retirement, we investigate the balance between retirement spending vs gifting to their grown-up children.
  • Mid-retirement: Age 75
    We look at the couple using equity release in order to release cash for gifts into trust for their grandkids, whilst also examining long-term care considerations.
  • Later life
    One spouse survives into their 90s, with residential care needs but with the Resident Nil Rate Bands in addition to their normal IHT allowances, planning throughout their life has meant the surviving children have no IHT to pay.

About the speakers 

The webinar was delivered by two of our expert advisers, Paul Sanders and Jason Wood.

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Paul SandersJason Wood

Senior Adviser

Adviser

I advise on all aspects of financial, investment, retirement, protection and succession planning. I look after a wide range of private clients and take pride in both identifying and understanding each of my clients’ objectives with empathy and clarity by using cash flow modelling. I offer truly bespoke planning to help my clients achieve their goals, as tax efficiently as possible, with independent advice at the heart of it.I work with a diverse client base, providing bespoke advice across a range of financial planning areas including investments, retirement and intergenerational planning. My aim is to simplify complex matters and solve clients’ problems, empowering them to make informed decisions at different life stages and helping them to achieve their personal and financial goals.

 

If you would like to discuss your financial situation and how we can help you, get in touch today and arrange a free consultation with an adviser. 

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