West Kirby Corporate Estate Planning

West Kirby Corporate Estate Planning

Could your business survive the loss of a major shareholder or its owner? Do you have the necessary legal documentation in place to enable a smooth transition if you died early? Most businesses have no plan, and you would be surprised how often they need one.

We can help to protect your business. Not just in terms of exit planning; tax mitigation; or shareholder agreements. We will look at how the business could continue in the event of its owner’s early death.

West Kirby Estate Planning Solutions

West Kirby Estate Planning Solutions

Our West Kirby IFA and West Kirby corporate estate planning team start off the process by making sure that all the basics are in place:

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

Shareholder agreements:
Who owns the business’s shares? Is disposal of shares covered in the company’s articles and memorandum of wishes?

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

Who is going to take control of the business if you become seriously ill, or died early? Are they capable of doing the job? Do they have all the knowledge and expertise required? Is a Lasting Power of Attorney (LPA) in place?

Corporate Estate Planning West Kirby

Corporate Estate Planning West Kirby

There are a number of issues to consider for the business owner or shareholde. A will and life insurance policy are not usually enough. A member of our team can review your legal documents. We can help you make sure your business and family are left in the best possible shape if the worst happens.

Call the Assured Wealth and Estate Planning West Kirby financial planning adviser team today on 0151 601 5922 and book your FREE West Kirby 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?

Read more

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.

Read more

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.