Altrincham Corporate Estate Planning

Altrincham Corporate Estate Planning

How would your business cope with the death of a business owner or major shareholder? Does your business have all of the necessary legal documents in place to ensure a smooth transition? Most business owners have given little thought to this area of planning.

When we talk to clients about protecting their business, we don’t immediately begin to cover exit planning; shareholder agreements; ownership of shares; tax mitigation; or how the business would cope in the event of their early death. Instead, our Altrincham IFA and Altrincham corporate estate planning team start with some basics:

Altrincham Estate Planning Solutions

Altrincham Estate Planning Solutions

Our Altrincham corporate estate planning team discuss and implement your needs, in relation to:

Does the business owner have a will that covers their shares in the business? Is it up to date and tax efficient?

Shareholder agreements:
Who owns shares in the business? How many? Do the company’s articles and memorandum of wishes dictate how these shares will be disposed of?

Is there sufficient life cover in place to pay the full value of the shares to the deceased’s estate?

Who is going to be in charge of the business if you become ill, or die? Are they capable of doing so? Do they have the correct knowledge and expertise?

Do you have a Lasting Power of Attorney (LPA) registered?

Corporate Estate Planning Altrincham

Corporate Estate Planning Altrincham

Clearly, there are a great number of issues for a business owner/shareholder to think about. Simply having a life insurance policy and will in place may not be enough. By having a member of our team talk through your wishes with you, and reviewing your legal documents, we can make sure your business and family will be in the best possible shape if the worst happens.

Call the Assured Wealth and Estate Planning Altrincham financial planning adviser team today on 0161 464 9122 and book your FREE Altrincham retirement planning consultation.

Probate fees are increasing and a new death tax is starting

Assured Wealth and Estate Planning guide to the increased fee level and how forward planning can mitigate the new fees

What is probate?

When someone dies, you need to obtain the legal right to deal with their property, money and possessions, and to do so you need a grant of representation, which is commonly known as ‘probate’.

When is probate not needed?

Usually you won’t need to apply for probate if the estate does not include land, property or shares, if it is passing to a surviving spouse or civil partner because it was held in joint names or if the estate is valued at less than £5,000. However, each financial institution has its own rules and may still require a grant of probate certificate.

The new fees will apply to all applications received by the probate service on or after the date it is introduced in April 2019, irrespective of the date of death.

What is happening to probate fees?

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Protecting your assets with Trusts and effective Estate Planning

Most of the people within the UK (65%), do not have a valid will to enable them to leave their assets to the people they want to, when they die.  This leaves them vulnerable to having their: savings; investments; life insurance; pensions and property passed to bloodline family that they may not even know, or indeed like.

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Are Annuities Still A Viable Option For Retirement Planning?

Are Annuities Still A Viable Option?

Annuities are retirement products that guarantee you with a regular income after you retire.

You choose a provider, pick an appropriate annuity to suit your needs and, in exchange for some or all of your pension savings, the annuity provides income until you die.

The use of annuities has declined markedly in recent years, with figures from the Association of British Insurers suggesting sales have fallen by as much as 80% since 2014.

Research from the Financial Conduct Authority reflects this trend, with year-on-year annuity sales down 16% in the six months to April 2017.

This is partly due to the fact that, following former chancellor George Osborne’s introduction of pension reforms in 2015, people now have more options when it comes to planning their retirement.

However, are annuities still a viable retirement planning option to consider in 2017?

Read more

Why Choose us


Investment portfolio review


Cash flow modelling


Fully Independent


FCA regulated


Financial planning


Estate planning qualified


Pension transfer specialists


Occupational pension specialists


All types of mortgages


Care fee planning


Low cost fees


Corporate planning


Wealth management


Retirement planning


Inheritance tax mitigation

Not sure what's right for you? Let us help you decide.