Free • no obligation • reply within one work day
You’ll hear back from one of our own team in Hadleigh
🏆 PA Awards x3 • FCA No. 226918
There’s no right or wrong motivation, just a goal worth planning for properly.
Plan ahead to understand potential tax liabilities and the options available to manage them.
Put arrangements in place that reflect who you want to benefit from your wealth.
Understand how gifts and relevant exemptions could form part of your wider inheritance plan.
Create a considered plan so your wishes and financial arrangements are easier to understand.
Inheritance planning starts with understanding your finances today and what you would ultimately like to happen to your wealth. Our advisers will take the time to look at your current position, discuss the people you want to provide for and consider whether inheritance tax could affect the amount eventually passed to your beneficiaries.
From there, we can explore the planning opportunities that may be appropriate for you and develop a personalised strategy around your circumstances. Rather than treating inheritance tax in isolation, we consider how any decisions fit alongside your wider finances and the assets you may still need during your lifetime.
Depending on your circumstances, we can help with:
- Assessing your potential inheritance tax position
- Understanding available gifting and exemption allowances
- Exploring ways of passing wealth to your beneficiaries
- Considering trusts where these may be appropriate
- Looking at suitable Business Relief investment options
- Reviewing your arrangements as your circumstances change
A good inheritance plan is not simply about reducing tax. It is about understanding what you want your wealth to achieve, making appropriate arrangements during your lifetime and helping ensure your wishes can be carried forward in the future.
At Matthew Douglas, we provide independent financial advice based on your individual circumstances rather than starting with a particular product or solution. This allows us to consider a range of financial planning options and recommend an approach that reflects your objectives and the level of access or control you want to retain over your assets.
Some inheritance planning decisions can also involve legal or specialist tax considerations. Where additional expertise is required, we can work alongside legal and accounting professionals so that the different elements of your planning complement one another. Matthew Douglas already works with specialists in these areas alongside its own financial planning service.
Inheritance planning is also something that may need to evolve. Changes to your family, finances, property, business interests or legislation could all affect arrangements that previously suited you. Reviewing your position over time can help keep your plan aligned with what you want to achieve.
Tax treatment depends on individual circumstances and rules can change, so we will explain the relevant considerations and help you understand the financial planning options available before you make any decisions.
If you want to understand your potential inheritance tax position or put clearer arrangements in place for passing on your wealth, speak to our team about how inheritance planning could help you prepare for the future.
The value of investments can go down as well as up, and you could get back less than you originally invested. That’s exactly why independent advice matters: before you commit to anything, we make sure every risk is clearly explained and every question answered.
Independent Financial Adviser
Director / Independent Financial Advisor
Independent Financial Advisor
There is no need to wait until later life to start thinking about inheritance planning. Putting arrangements in place earlier can give you more time to understand your potential inheritance tax position, consider the options available and make decisions that fit alongside your own financial needs.
Not necessarily. Your estate can include property, savings, investments and other assets, so it can be worthwhile understanding your overall position even if you are unsure whether inheritance tax will apply. We can review your circumstances and explain whether further planning may be appropriate.
We can help you understand how gifting and, where appropriate, trusts could form part of a wider inheritance strategy. The suitability of either will depend on your circumstances and objectives, and additional legal or tax advice may also be required when putting certain arrangements in place. Matthew Douglas lists both gifting allowances and trusts among the areas its inheritance planning service can cover.
There is no single approach that guarantees an estate will have no inheritance tax liability. The position depends on factors such as the assets you own, who inherits them, the arrangements you make and the tax rules applying at the time. Our advisers can help you understand your potential exposure and consider suitable planning opportunities.
Free • no obligation • we’ll come back to you within one work day
🏆 PA Awards x3 • FCA No. 226918
Our qualified independent financial advisors from our Haleigh team are on hand to help you with your retirement planning.
Paul Hardy
Independent Financial Advisor• Matthew Douglas Ltd
Prefer to talk now? Call 01473 927072 (Mon–Fri, 9–5) or visit us at Wheatsheaf House, 4 High Street, Hadleigh, IP7 5AP.