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Wills

The majority of people give more thought and time to planning their annual holiday than on considering how best to manage their personal affairs, this is particularly true with regard to time and consideration on how their Wills should be drafted.

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Tax Planning

One is legally allowed to arrange one’s financial affairs so that one pays the minimum of tax. We have always advocated that clients look first at government approved avoidance schemes, such as ISA’s, Pensions, Enterprise Investment Schemes & Venture Capital Trust investments.

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Lasting Powers of Attorney

Thinking and talking about what would happen if our faculties deserted us is uncomfortable. That is why it is important to consider Lasting Powers of Attorney. Imagine how much worse the situation would be for your family if you had a stroke, serious accident or dementia without making appropriate arrangements.

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Residential Nil-Rate Band

The Residential Nil Rate Band Under the current Inheritance Tax regime, on death the first £325,000 of each individual’s net estate is taxed at 0%. This is known as the “nil-rate band” (“NRB”). Unless any tax reliefs apply, the rest of their net estate is then taxed at 40%.

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Inheritance Tax Planning

£4.7 Bn of Inheritance Tax payments were collected by HMRC in tax year 2015 -16 , that’s a record amount of money from inheritance tax, mostly because of rising house prices.

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Cohabitating

A significant proportion of the population, prefer to live together but not get married. For them there is no spouse or single partner exemption. If one of the partners had a large pension and died, the remaining partner is likely to get NO pension at all.

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