Estate Planning

Shot on location in Whalley

Estate Planning With Purpose

Creating wealth is only part of the picture. Ensuring it is passed on to the right people, at the right time and in the most tax-efficient way is equally important.

Whether you're looking to reduce a potential Inheritance Tax liability, support future generations or gain greater clarity over your estate, our advisers can help you put a clear plan in place.

Estate planning is about more than tax. It's about ensuring your wishes are understood, your loved ones are protected and the wealth you've worked hard to build continues to benefit those who matter most.

Is Your Estate Prepared For The Future?

Many people spend years building wealth through property, investments, pensions and business interests but give little thought to how those assets will eventually be passed on.

Without careful planning, your estate could face unnecessary tax liabilities and outcomes that may not reflect your intentions.

At Two10 Investment Services, we help clients take a proactive approach to estate planning. Working alongside your solicitor and accountant where appropriate, we can help you explore strategies including gifting, trusts, pension planning and wider Inheritance Tax mitigation.

Our aim is to help you preserve more of your wealth for future generations whilst ensuring your estate remains aligned with your wider financial goals.

Whether you're concerned about a future Inheritance Tax bill, protecting family wealth or creating a clear legacy plan, we're here to help you navigate the options available.

Key Areas Of Estate Planning

Estate planning is rarely about a single solution. Instead, it often involves bringing together several different elements to ensure your wishes are clearly documented and your wealth is passed on as efficiently as possible.

Inheritance Tax Planning - Understanding your potential Inheritance Tax exposure is often the starting point. We can help you explore strategies designed to improve the tax efficiency of your estate and preserve more wealth for future generations.

Wills - A Will plays a fundamental role in ensuring your assets are distributed according to your wishes. We work alongside legal professionals where appropriate to ensure your wider financial plans complement your estate planning objectives.

Trusts - Trusts can provide greater control over how assets are passed on and may form part of your overall estate planning strategy. Whether appropriate will depend on your individual circumstances and objectives.

Gifting Strategies - Making gifts during your lifetime can be an effective way to transfer wealth to future generations. Understanding the available exemptions, allowances and rules is important when considering this approach.

Intergenerational Wealth Planning - For many families, estate planning is about more than tax efficiency. It is about creating a structured plan that helps ensure wealth is preserved and passed on in line with your wishes.

Our Local Team By Your Side

Estate planning can feel complex, particularly when family dynamics, business interests and significant assets are involved.

At Two10 Investment Services, you'll have direct access to a dedicated local team who take the time to understand your circumstances and long-term objectives. We provide clear, regulated advice and work closely with your wider professional advisers where required to help ensure every aspect of your plan works together.

Financial clarity for you and your family

Connor, our head of Financial Planning, discusses how we help our clients plan for their financial future.

Financial Planning FAQs

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What is estate planning?

Estate planning is the process of organising your financial affairs to help ensure your assets are distributed according to your wishes whilst minimising unnecessary tax and administrative complications.

Can you help reduce a potential Inheritance Tax liability?

We can advise on a range of financial planning strategies that may help reduce the value of an estate for Inheritance Tax purposes, subject to individual circumstances and current legislation.

Do I need a trust?

Trusts can be an effective planning tool in certain situations, but they are not appropriate for everyone. We can help you understand whether a trust may be suitable as part of your wider estate plan.

When should I start estate planning?

The earlier you begin, the more options are typically available. Estate planning should be viewed as an ongoing process rather than something to address later in life.

Do pensions form part of my estate?

While currently free from Inheritance tax, from the 6th April 2027, most unused pensions are set to form part of your estate on death under current legislation. We can help you understand how your pension arrangements fit into your wider plans.

What is the 7-year IHT rule?

In certain circumstances, gifts made during your lifetime may fall outside of your estate for Inheritance Tax purposes if you survive for seven years after making them. The rules can be complex, so it's important to seek advice before making significant gifts.

What’s the difference between a Trust and a Will?

A Will sets out how your assets should be distributed after your death. A Trust is a legal arrangement that can allow assets to be managed or distributed according to specific instructions, either during your lifetime or after death. Both can play an important role within a wider estate planning strategy.