Estate planning
Helping You Pass More of Your Wealth to the People You Love
You've worked hard to build your wealth. Estate planning helps ensure more of it reaches your family and future generations, rather than being lost to unnecessary tax. Whether you're looking to help your children today, plan for retirement, or pass on assets efficiently in the future, we can help you put the right strategy in place.
At One Plan Financial, we help clients create a clear plan for transferring wealth in a tax-efficient manner while maintaining their own financial security and lifestyle. The best estate plans are made years before they're needed.
What is Estate Planning?
Estate planning is the process of organising your finances so that your wealth can be passed to your beneficiaries as efficiently as possible.
This can include:
✔ Gifting assets during your lifetime
✔ Reducing potential inheritance tax liabilities
✔ Passing on investment portfolios
✔ Protecting family wealth
✔ Planning for business succession
✔ Structuring life insurance to provide for inheritance tax liabilities
✔ Ensuring your retirement and lifestyle needs remain fully funded
Why it Matters
Many families are surprised by the amount of tax that can arise when wealth passes from one generation to the next.
Without proper planning, your loved ones could face significant inheritance tax bills that could potentially require the sale of investments, property or other assets.
Taking action early can make a substantial difference.
A well-structured estate plan can help:
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Transfer wealth more efficiently
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Make use of available tax exemptions and reliefs
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Provide certainty for your family
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Reduce stress and complexity at an already difficult time
How we help
We begin by understanding:
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Your assets and overall wealth
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Your retirement income requirements
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Your family circumstances
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Any business or investment assets you hold
From there, we can help identify suitable strategies, which may include:
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Helping provide a tax-efficient source of funds to meet inheritance tax liabilities.
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Creating structured gifting strategies designed to support future wealth transfers.
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Helping business owners prepare for the future transfer of business assets and family wealth