Discretionary Services

Inheritance Tax Portfolio Service

Help your clients pass on more of their wealth with a portfolio of investments that are potentially free from inheritance tax (IHT) after just two years.

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Benefits of our IHT Portfolio Service

Our specialist IHT planning solution provides your clients with a portfolio of AIM-listed shares that can qualify for business relief.

Your clients’ portfolios will be managed by a dedicated team with specialist expertise and a strong track record.

Your client’s portfolio will be constructed with between 20 and 25 AIM shares, which are diversified across a range of industry sectors to spread risk.

Although our portfolios are highly correlated, each client's portfolio is bespoke, meaning we can help manage their capital gains if required.

We can use your clients’ ISAs allowances so that any growth is free from capital gains tax and income tax on dividends.

We use a specialist firm to independently review the qualifying status for business relief on all investments.

A cost-effective solution with annual fees of 1.25% +VAT and a minimum investment of £100,000.

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Who is our IHT Portfolio Service for?

We’ve designed this specialist investment service for you to use when advising your clients about estate planning. These portfolios come with a range of benefits:

Reduces IHT liabilities

Appropriate for families with taxable estates valued significantly in excess of the IHT nil rate band. Hundreds of people have used our service to successfully claim business relief through HMRC.

Maintain access and control

For your clients who want to maintain access to their capital, unlike many alternative inheritance tax solutions; providing them flexibility for potential future expenses such as care home fees.

Provides a fast IHT solution

An ideal solution for those who have not put in place long-term plans for their estate. The investments can become exempt from IHT after just two years compared with seven years for a trust or gift, based on current tax relief and legislation.

Offers attractive growth potential

AIM is home to many innovative and growing companies that have become leaders within their fields. Investors should be willing and able to accept the risks that come with investing in this market.

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Inheritance Tax (IHT) Portfolio service should be regarded as higher risk.

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What to expect?

We provide you with a robust solution, monitoring and adjusting your client's investments so you will be able to focus on what you do best - managing your client's long-term financial plan.

Our IHT team use quantitative screens to pick out companies with high levels of cash generation, strong balance sheets and a history of paying dividends. We then establish if the businesses have strong and scalable business models and experienced and committed management. In addition, our strong broker relationships often flag initial investment ideas before we conduct detailed research.

After confirming our belief that the shares will qualify for business relief, we conduct fundamental analysis to create a bottom-up valuation and initial investment thesis. During this process, we also examine the prospects of the industry sector. We always meet company management before investing and often conduct site visits to fully understand the opportunities and risks in a business.

After considering a client’s objectives and preferences, we construct a portfolio of between 20 and 25 shares, which are diversified across a range of industry sectors to spread risk. We use an internal risk-modelling system to estimate a portfolio’s overall level of risk so that we can review its potential volatility before investing.

We have one of the largest private client dealing teams in the UK. Their expertise helps our IHT team obtain the best price when executing trades on the stock market. We typically look to invest a client’s proceeds within two to three months.

We continuously review investments by meeting with company management teams regularly and reviewing company updates to test our original investment thesis. In addition, we regularly review portfolios to confirm that a client’s holdings are diversified and suit their investment objectives. Our risk-modelling tools constantly monitor portfolios to alert us to deviations in risk profiles.

Award

We’re proud to be shortlisted and winners of many awards and accolades, as they showcase the value of our esteemed colleagues and high-quality services we provide by both our industry peers and clients themselves.

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