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Estate planning
We have a range of trusts designed to help your clients meet their estate planning objectives. The value of any investment can go down as well as up so your client might not get back the amount they put in.
From 1 April 2023, the Trust Regulation Service (TRS) regulations have been widened. Due to the 5th Money Laundering Directive an up-to-date HMRC ‘proof of registration’ document may be required before we action certain transactions or make updates to trust details. Our Trust Registration Service completion guide is available here.
Our trusts
Discounted Gift Trust
Our Discounted Gift Trust allows your client to put a lump sum into trust for their beneficiaries while retaining the right to regular payments.
- Maintain a right to regular payments
- Capital for beneficiaries after your client's death
- Potential to reduce Inheritance Tax liability
- Single or joint settlor arrangements
Loan Trust
Our Loan Trust allows your client to access a capital sum, while any growth on their investment is outside of their estate.
- Access original capital at any time
- Growth immediately outside estate
- Four investment options
Gift Trust
Our Gift Trust provides an Inheritance Tax planning solution for clients who want to make an outright gift in a tax-efficient way.
- Tax-efficient
- Choice of four investment products
- Settlors have no access to trust fund
Excluded Property Trust
Our Excluded Property Trust provides a way of protecting offshore bond investments or UK OEICs from Inheritance Tax liabilities if your clients are UK residents but not currently UK domiciled or treated as UK domiciled.
- Choice of three Prudential International bonds
- Option to take tax-efficient withdrawals from the trust
- Can reduce Inheritance Tax liability for beneficiaries
- Full control over investments
Probate Trust
The Probate Trust allows your client to grant their beneficiaries quick access to the bond following their death.
- Probate planning
- Quick access to funds after death
- Clients can access the bond throughout their lifetime
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"Prudential" is a trading name of Prudential Distribution Limited. Prudential Distribution Limited is registered in Scotland. Registered Office at 5 Central Way, Kildean Business Park, Stirling, FK8 1FT. Registered number SC212640. Authorised and regulated by the Financial Conduct Authority. Prudential Distribution Limited is part of the same corporate group as the Prudential Assurance Company Limited. The Prudential Assurance Company Limited and Prudential Distribution Limited are direct/indirect subsidiaries of M&G plc which is a holding company registered in England and Wales with registered number 11444019 and registered office at 10 Fenchurch Avenue, London EC3M 5AG, some of whose subsidiaries are authorised and regulated, as applicable, by the Prudential Regulation Authority and the Financial Conduct Authority. These companies are not affiliated in any manner with Prudential Financial, Inc, a company whose principal place of business is in the United States of America or Prudential plc, an international group incorporated in the United Kingdom.