We recognise our solutions are not appropriate for all circumstances and it is important clients receive the right advice, that is why our products are only available through financial advisers.
If you are an investor interested in our solutions and you do not already have a financial adviser, you may wish to visit unbiased.co.uk to find a professional adviser in your local area.
Upon death, 40% of your assets above the Inheritance Tax nil rate band, which is currently set at £325,000, is payable to HM Revenue & Customs. Having already been taxed on your earnings and your pension, the prospect of giving up a large share of your hard earned assets on death is considered by many to be unfair.
There are a number of ways to mitigate your exposure to IHT, such as using trusts and gifts. However, these can take many years to be fully effective, can incur upfront tax charges and may require you to give up control and use of your assets. Given that you may need to access your savings in later years, for example to supplement your pension, this is less than ideal.
TIME offers asset-backed BR services for individuals and business owners looking to reduce an IHT liability: TIME:Advance and TIME:CTC.
TIME also offers an IHT planning service that invests in a carefully selected and professionally managed portfolio of BR qualifying AIM companies: TIME:AIM.