Warrington Corporate Estate Planning

Warrington Corporate Estate Planning

Could your business cope if a business owner or major shareholder died early? Does it have all of the necessary legal documents in place in order to enable a smooth transition? Most business owners have given little thought to this area of planning.

When we talk to our clients about making measures to protect their business, we don’t just talk about exit planning; shareholder agreements; ownership of shares; and tax mitigation. We look at how the business would continue in the event of their early death.

Warrington Estate Planning Solutions

Warrington Estate Planning Solutions

Our Warrington IFA and Warrington corporate estate planning team start with the basics:

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

Shareholder agreements:
Who owns shares in the business? Do the company’s articles and memorandum of wishes dictate how shares are going to be disposed of?

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

Who is going to take control of the business if you become ill, or die? Are they capable of doing it? Do they have all the knowledge and expertise they will need?

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

Corporate Estate Planning Warrington

Corporate Estate Planning Warrington

Clearly, there are a huge number of issues for a business owner or shareholder to consider. A life insurance policy and will may not be enough. When a member of our team talks through your wishes and reviews your legal documents, we can help to ensure your business and family will be in the best shape if the worst does happen.

Call our Assured Wealth and Estate Planning Warrington financial planning adviser team today on 01925 396122 and book your FREE Warrington retirement planning consultation. We are here to help you make plans for your financial future.

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?

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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.