Passing on your legacy

If you’re worried about what happens to your family’s finances when you pass away, we can advise on solutions to help protect your loved ones

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Getting the right advice and support for you

We help a number of our clients put a plan in place to leave more of their money to their loved ones and less to the tax man. Some of the main areas we’ll help with are:

  • Will I leave an Inheritance Tax (IHT) bill – it can be tricky to know how much your Estate is worth and what exactly IHT is due on, but our advisers can calculate this for you.

  • Wills – we can’t write Wills but we can help make sure your Will complements the Estate Plan we put in place for you.

  • Using allowances – there are a number of useful allowances that can help reduce the amount of IHT that may be due.

  • Usings gifts – you can gift money to reduce the value of your Estate, but there are rules on how much you can gift, who to and when.

  • Setting up Trusts – we can help set up a Trust so the right people receive your money and it’s used for what you want it to be used for (university fees, house deposit etc).

Help with leaving a legacy

Inheritance Tax and passing on your wealth is a complicated area with many possible costly pitfalls. Fortunately, our advisers can help in a number of ways.

An expert review

Our financial advisers are experts in this area and can let you know what to do in a straightforward way.

Peace of mind

Speaking to one of our financial advisers will give you comfort that an expert has reviewed your finances and recommended what’s best for you.

Plan creation

We’ll create a financial plan that’s tailored to your own specific circumstances and what you want to happen with your money.

Where to invest

Your money remains invested until it’s taken, so we’ll recommend the fund that’s most suited to meeting your needs now and in the future.

We'll do the hard work

We’ll create a plan, complete all the paperwork and set everything up for you.

Keep on track

If appropriate, we’ll regularly review your pension and make any changes to keep it on track.

As with all investments, the value can go down as well as up and you may get back less than you put in. We believe less can definitely be more. So the advice recommendations we make are from a carefully selected range of products and funds. Using a focused and controlled approach allows us to develop an in-depth knowledge of the products, so we can safely and confidently recommend a solution that’s right for you. This is known as restricted advice.

Common questions you might have

  • Will I leave an Inheritance Tax bill?
  • Can I reduce the amount of tax for my loved ones?
  • I have a Will, isn’t that enough?
  • How long does it take for any gifts to become tax-free?
  • How do I make sure my money goes to who I want it to?

Our promise to you

Your first meeting won't cost you a penny

Guarantee to provide you with a personal recommendation, at no cost*

We won't put pressure on you to take our advice recommendation

*charge only be payable if you choose to proceed with our recommendation

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"M&G Wealth Advice” is a trading name of M&G Wealth Advice Limited which is registered in England and Wales. Registered office at 10 Fenchurch Avenue, London EC3M 5AG. Registered number 5739054. Authorised and regulated by the Financial Conduct Authority.