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Estate Planning

Wealth preservation for families is more important than ever.

Understanding what your options are ensure you can leave as much of your estate to those you love.

When you speak with our financial advisers we’ll help you to prepare for what happens to your assets when you are older, and when you’re no longer here.

When you add everything up, your estate may be larger than you think.

Understand

We will look at your current situation and your financial objectives to understand your estate and what that would mean to you and your family.

Recommend

We will recommend solutions to help simplify your estate that helps to achieve your wealth preservation objectives. We’ll also suggest the best ways for you to pass on your wealth to your family and loved ones.

Implement

We will source the right product for you to help achieve your estate planning goals.

Review

The political landscape and changing governments can lead to some quite seismic shifts for estate planning so it is vital we review your plan regularly. This ensures any changes impacting any individual are amended and managed to take advantage of the situation as they arise.

"Safeguarding the value of my investments"

I am fortunate to have considerable savings after the sale of a large family home. My plans have never been fixed, with various possible ways to use the money.

James (Jim) Morgan from Eames Laurie has listened patiently during many visits, in conversations ranging over ethical investments, my family matters, further house moves, contingency plans, and general topics of wealth, well-being, and personal values. All the time he has kept a clear eye on safeguarding the value of my investments, including far-sighted steps to reduce inheritance tax, acting as my trusted financial adviser and with the resources of Eames Laurie behind him.


P Grant, Retired, Hungerford (17/05/22)

" I couldn't be happier with the service I received."

I couldn't be happier. I needed a mortgage that would suit my financial situation and that wasn't easy post pandemic. Klaudyna was absolutely amazing at helping me find a mortgage tailored to me. She communicated with me every step of the way, and never made me feel like my goal to be a homeowner was out of reach. I couldn't be happier with the service I received.


A Mcknight, Swindon (06/06/22)

"Realistic, comprehensive and truthful advice."

My wife and I have used Eames Laurie for a few years now. The advice given by them has always been realistic, comprehensive and truthful. The products they recommended for us are working well. They really take the time to understand your needs and explain everything in an easy and understanding way. I would recommend using Eames Laurie Financial Services all for financial matters.


P Bliss (2019)

"Considerable care and compassion"

I am totally satisfied with the service that I've received over the past two years from Eames Laurie. It has been a particularly difficult time for me, because a few months before, my wife had suddenly passed away. We both had financial investments with Eames Laurie.

I am very pleased to have Sarah Hall as my Financial Advisor. She always explains clearly, the financial advice that she offers. Furthermore, she has dealt with my situation with considerable care and compassion.


J Davies, Moray (09/05/22)

"My investments are looked after by caring and expert people"

Eames Laurie has looked after my financial matters for many years. I am more than happy with the advice and help I continue to receive.

The advice I receive is explained fully and I am able to contact Chris Fox whenever I have a problem. I feel very relaxed and contented to know that my investments are looked after by caring and expert people. I am extremely happy with the service I receive and have no hesitation in recommending Eames Laurie for all financial matters.


Estate planning usually involves giving away or spending money

You may want your money to be used in a specific way or you may just want to make sure that it stays within your family when you're no longer here. 

Whatever assets or wealth you have accumulated in life, you will have your own personal plans for how your legacy is shared with those you care about. Keeping your plans up to date with the current inheritance tax regulation is important and the sooner you have a plan in place, the more options you’ll have for passing on your wealth efficiently. 

Working with our advisers we can help you to understand what’s involved in estate planning – as well as the implications of any decisions you make, so that your wealth is passed on in line with your wishes.

Inheritance Tax

Inheritance Tax (IHT) is one of the most complex areas of financial planning and the rules change frequently. IHT is a tax on the assets that belong to you when you die. Assets include the total of everything owned by you and a share of anything owned jointly. Here are the most common assets:

  • Personal property
  • Real estate and land
  • Shares
  • Cash
  • Future inheritance

Some assets are exempt from IHT or are at least eligible for a reduced rate. They include certain types of businesses, agricultural and woodland property, and heritage assets (a building, land, or objects of national scientific, historic or artistic importance).

We will advise on investment products that help manage your inheritance tax position effectively whilst you retain the use and control of the capital.

Passing on your wealth

HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.

Will writing is not part of the 2plan wealth management Ltd offering and is offered in our own right. 2plan wealth management Ltd accept no responsibility for this aspect of our business.

Please note that the Financial Conduct Authority do not regulate will writing, tax planning and trusts.

£325,000

For the tax year 2023/2024, the nil-rate band is £325,000 (£650,000 jointly).

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