The Home Protection Plan

A strategy to protect the family home from contributing to care fees

Whilst no one wants to consider the consequences of what would happen financially should we or our parents be required to go into a specialist home, it is a fact that if they do, then it has to be paid for. As most of us do not have sufficient cash or income to pay for this, the costs of this care are taken from the estate on death (often the family home).

For more information please contact us direct or request a consultation below

Free Consultation

You can have a free initial consultation. There's no fee, no catch and no obligation on your part.  We can call you to arrange a time that suits you.

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Inheritance Tax Planning

 

Over the last 5 years this has become increasingly important, mainly due to increased wealth through the dramatic and sustained rise in house prices.

 

Anyone with an estate of over £312k has a potential Inheritance Tax problem. This tax liability is currently 40% (under current tax legislation). On death this burden is passed to your beneficiaries and in most cases the tax bill has to be paid prior to the release of the inheritance.

 

 

 

With the correct financial planning we can help mitigate Inheritance Tax and ensure as much of the estate is paid to the beneficiaries as possible. Estate Planning Tools:

  • Will
  • Will Trust
  • Gift & Loan Plan
  • Discounted Gift Trust
  • Flexible & Discretionary Trust
  • Absolute Trust

Estate planning is a technical and specialist area of financial advice. It is an absolute must that a specialist is involved in all stages. Winser Financial Services can ensure this happens.

 

 

 

 

 

 

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