In doing so, it could deprive your loved ones of your hard-earned wealth.

Your estate, that’s everything you own, above £325,000 (the Nil Rate Band threshold) is subject to tax at 40%.

£325,000 is not much and that’s before you take into account the value of your car, savings, investments and belongings. So if, for example, as a married or Civil Partnership couple your joint estate is £800,000, tax of £60,000 will be owing.

Working with you – and your financial adviser and accountant, if you have them – we will help you take the necessary steps and use the full range of personal exemptions and reliefs available, so that you pay as little tax as possible.

And Inheritance Tax is not the only threat to your wealth. Whatever your age and circumstances, we will help you to establish what you want to happen – and for whom – after your death.

Don’t leave it to chance. Start the process now. Without effective estate planning and the right will your wealth and family are at risk.

 And here's some other food for thought:

Suppose you lost your mental capacity?
What would you do if, as the result of illness, accident or ageing you become incapable of managing your affairs and business?

The Mental Capacity Act 2005 provides ways in which:
  • People can plan ahead for a time when they may lack mental capacity.
  • Decisions can be made on behalf of people who lack mental capacity.
Though existing Enduring Powers of Attorney (EPA) made up to the end of September 2007 remain valid, they only cover your property and affairs.

Lasting Powers of Attorney, available since October 2007, provide cover for your property and affairs, your personal welfare and medical treatment.

Make a Living Will.
Legally known as an Advance Decision, a Living Will enables you to stipulate, as far as possible, the point at which you wish to refuse treatment and to appoint others to be consulted by doctors in uncertain situations. In many cases, a Living Will may be preferable to a personal welfare LPA.

These are just some of the ways in which we can help you take control of an uncertain future.



'Take Control. Have Peace of Mind'

Find out more. Call us at (+44) 01722 714400
Or email office@churchwards.com

This firm complies with the IPW Code of Practice,
Member of the Institute of Professional Will Writers,
Member of the Society of Will Writers and Estate Planning Practitioners.

Registered in England and Wales. Company No. 0554 1033.
Registered Office: Cross Keys House, 22 Queen Street, Salisbury, Wiltshire SP1 1EY.