Issues (FAQ)?
Do I have an IHT Problem?
APR and BPR are valuable reliefs that are often misunderstood and you should question whether they are sufficient to remove your IHT Liability. The Barbour case and Mr Osbourne's recent promise to "simplify" tax structures only serve to further confuse matters.
What can I do?
IHT planning is probably our biggest single source of enquiries to CLA IFP. Our solutions include:
* Life Insurance - the traditional response to this concept is horror but it is a great solution to provide for this tax during your lifetime, thereby radically reducing the overall cost of IHT on the estate.
* Trusts - moving capital outside the estate whilst maintaining income and access for you.
* Business Property relief - Our specialist knowledge and contacts provide effective IHT solution after just 2 years backed by impressive investment returns.
* Capital Gains Tax Deferral - Planning for IHT often creates CGT issues. Through the use of Enterprise Investment Schemes (with a variety of risk profiles) we can continue deferring this tax and qualification for BPR/IHT relief.
If you would like to speak to an adviser or have a question you would like to email to us, please click on the buttons at the bottom of the page. If you want more information on IHT planning - go to the IHT section on the toolbar.
I am earning little on my cash - what are the alternatives?
Interest rates are at a historic low and the outlook is for similar rates for the next few years.
Hampton Dean offer a full Wealth Management service both internally managed and also using external Wealth Managers (click on our Investment Management button to find out more).
We can provide income solutions capable of supporting withdrawals of 3-5% per annum and risk rated growth solutions designed to beat cash by 2-5%.
So whether it's cash you have or you're considering selling assets, we can provide tailored investment solutions for you
To email a question or talk to an adviser please click one of the buttons at the bottom of the page.
I've a large pension fund - how do the new rules affect me and should I maximise the income I draw from it?
The Government proposes a 55% tax charge on pension funds passing on death - contact us to understand the options available by clicking on one of the buttons at the bottom of the page.
In some circumstances it is possible to take withdrawals without limits from a pension drawdown contract.
It may be appropriate to use some of a pension fund to purchase a temporary annuity - and leave the rest of the fund invested for later use.
To find out more about taking benifits from your pension - click "ready to retire" on the toolbar.
I employ people in my business - what do I need to know about NEST?
You can find out more about employee benefits in general by going to "Employee Benefits" on the toolbar.
Alternatively, please click on one of the buttons at the bottom of the page to contact one of our group scheme specialists to understand your responsibilities.
I have inherited an Investment Portfolio - How should I manage it?
Hampton Dean are responsible for the investment management of in excess of £300m.
Our service considers your objectives and constraints and explores with you your attitude to investment risk. We will then provide our investment recommendations in writing for a full discussion with you and if necessary your adviser. We will carry out the implementation as you require and most importantly keep your objectives and attitudes under review, over the long term, as well as our recommended funds or third party services providers.
For more information click on the "Investment Management" button.