Downton and Ali Associates – Private Clients - Estate PlanningEstate Planning

Estate planning is not just for the wealthy; your assets may be sentimental, valuable or both and need distributing after your death.

Adding up the total value of your assets can be a surprising experience. The value of your home, life insurance plans, death in service benefits, savings, pensions and personal belongings, can easily amount to more than the inheritance threshold, leaving your beneficiaries liable to tax.

Downton & Ali Associates have experience in estate planning and will help you provide a solid financial future for your family after your death. Planning usually involves the preparation of a will, trusts, insurance policies, investments and other arrangements, designed to reduce or eliminate inheritance tax liability and distribute your estate in accordance with your wishes.

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Inheritance Tax Planning

If you do not plan for inheritance tax liabilities, your beneficiaries could receive less than the government.

A life insurance policy can be an essential part of your estate planning. Set up the correct way, with the right plan you could substantially reduce any inheritance tax liability for your beneficiaries.

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Trusts

A Trust is a method of avoiding unnecessary inheritance tax and guaranteeing beneficiaries receive the full funds and/or assets. There are various types of Trusts to suit different circumstances. To ensure that you have the correct arrangements in place requires expert advice.

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Wills

If you die without creating a will, your death will be classed as ‘intestate’ and the government will appoint an ‘administrator’ to oversee and manage your estate. The administrator's duties can include, distributing your assets and naming guardians for your children. Be aware that the administrator's decisions are guided by legislation and not your wishes.

Downton & Ali Associates are experienced in Estate Planning. Arranging a Will allows you to direct how your assets are to be dealt with after your death. Our specialists will help you determine the following:

  • Identify the beneficiaries to inherit your estate.
  • Distribute your personal valuables.
  • Name guardians for your minor children.
  • Create a trust if any minors will be inheriting your assets.
  • Set up executors for your estate. - Executor will manage and distribute your estate according to your instructions.

For further information, please complete the enquiry form or contact our office on 020 8980 1989. One of our professional consultants will be happy to deal with your enquiry, or arrange an appointment at your convenience.

HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.

Will Writing is not regulated by the Financial Services Authority

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