Knutsford Corporate Estate Planning

Knutsford Corporate Estate Planning

Would your business be able to cope with the death of its owner or a major shareholder? Does your business have the necessary legal documents in place that will ensure a smooth transition? Most business owners have given little or no thought to this area of planning.

When we talk to our clients about how to protect their business, we don’t immediately cover exit planning; shareholder agreements; ownership of shares; tax mitigation; or how the business would cope if they unexpectedly died. Instead, our Knutsford IFA and Knutsford corporate estate planning team start with the basics:

Knutsford Estate Planning Solutions

Knutsford Estate Planning Solutions

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

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

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

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

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

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

Corporate Estate Planning Knutsford

Corporate Estate Planning Knutsford

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

Call the Assured Wealth and Estate Planning Knutsford financial planning adviser team today on 01565 817122 and book your FREE Knutsford 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?

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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.