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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 are being 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. Further information can be found in our TRS Completion Guide.

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