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La Playa: Insurance with Intelligence®

Estate Planning Advice

If your assets are worth more than the current “nil rate band”, a large chunk of your estate could end up with the Chancellor through inheritance tax.

We have many solutions for inheritance tax issues, ranging from the use of offshore bonds and trusts to simple life assurance products.

Basic estate planning can be as simple as making a will (or updating an existing one).

Planning to reduce and/or mitigate your estate’s liability to inheritance tax is another important aspect. There are many ways to achieve this, but it's important to get proper financial & legal advice to ensure that as much of your estate as possible ends up with your intended beneficiaries.

Tips for Successful Estate Planning

1. Wills

  • Married couples and civil partners should make the most of their transferable nil rate bands. If you are a widow who has remarried, there may be an extra nil rate band available to you.
  • Make the most of business property, which attracts 100% relief from IHT – don’t miss the chance to use the relief twice (called ‘double-dipping’). The reason for this generous relief is to facilitate the passing on of family businesses without family members having to worry about the impact of IHT. Similar rules apply to owners of agricultural property. Your legal adviser can provide more information. Any will needs to be regularly reviewed by a legal professional, who can advise you on the points above – we’d be happy to introduce you to one of our trusted advisers.

2. Investments

  • Make the most of Business Property Relief and Agricultural Property Relief from IHT – AIM shares, farmland and commercial woodlands can become exempt after two years’ ownership.

3. Lifetime Gifts

  • Use the annual allowances (currently £3,000* per person).
  • Gifts made as normal expenditure out of surplus income are IHT free.
  • Consider Loan Trusts and/or Discounted Gift Trusts – you can keep a 5% annual ‘income’ and it’s income tax free.

4. Deed of Variation

  • If inheriting from someone who died less than 2 years ago, consider diverting part or all of the inheritance. For example, if you receive an inheritance from your parents which you don’t need, you could put it into a trust for your children and grandchildren so that it’s not taxed on your death.
Estate Planning Advice

Talk to us today.

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Cash Management
Cash Management
Entrepreneurs and Business Owners
Entrepreneurs and Business Owners
Estate Planning
Estate Planning
Family Protection
Family Protection
Investments
Investments
Pensions and Retirement Planning
Pensions and Retirement Planning
Tax Planning
Tax Planning
Wealth Management
Wealth Management
Why get financial advice?
Why get financial advice?

Testimonials

What Our Clients Say

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“Just a small note to thank you for meeting with us to discuss our pension options. You made a potentially stressful situation so much easier, for which we are very grateful.”

Lewis & Jill B

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“I just want to say what a great service I have had from La Playa Wealth around my pension that I have finally got round to thinking about seriously! You've been incredibly thorough and had the patience of saints. Thanks to you I feel a lot more confident about the years ahead!”

Ann C

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“As a client of La Playa Wealth I can vouch for their total dependability and up-to-date knowledge of the daily financial market. I am a pensioner and need plenty of guidance and advice on these matters - all of which I can obtain at the flick of a telephone or internet switch!”

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With capability to simplify financial planning and yet have access to private banking, lending and provide great investment advice, I'm really pleased I picked La Playa Wealth to manage my affairs.”

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“I am so grateful for all the help you've given me over the last year and a half, I know I asked a lot of questions! You've been simply marvelous.”

Elizabeth,

La Playa Wealth Client

Specialist & Independent

The La Playa Way: Your Personal Risk Concierge

La Playa’s intelligent approach to financial services is founded on absolute integrity, an in-depth understanding of our clients, a high calibre team of advisers and a commitment to excellence in service.

La Playa's Financial Concierge service means advice you can trust - from an expert who understands you:

As a Lloyd's broker, La Playa has solutions for even the most complex risks, and our services also include Business Protection and Employee Benefits. But what does "Boutique Service" actually look like?

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1

Careful listening to really understand your needs and priorities


2

As much help as you need with completing forms to provide risk information


3

A discreet and complimentary appraisal* to assess the risks and ensure you have the right coverage where you need it


4

An independent market review - so you don’t have to shop around comparing policies, cover limits, risks covered and smallprint exclusions


5

Careful monitoring of the carriers’ financial strength, claims and customer service


6

An independent recommendation of the best policy for you - and why


7

Specialist policy wordings from underwriters who have demonstrated excellence and deep understanding of your risk exposures. We have analyzed a wide range of policy wordings and have selected only the best for our panel. Our advisers have a deep working knowledge of these policies
*subject to insurer availability


8

An intelligently designed portfolio of protection across multiple asset classes, liabilities and territories


9

Advice on how best to manage your risks - to keep you safe but also to keep insurance costs down


10

A dedicated adviser so you can speak to the same person each time.


11

Expert guidance on valuations, security and risk management, and connecting you with specialist advisers and suppliers


12

Direct phone and email access to your adviser for questions and advice.


13

Policy documents emailed to you - no logins and passwords to remember


14

An advocate beside you if you make a claim - thinking laterally to mitigate the impact, making useful connections to get you back up and running, and driving through a swift financial settlement


...and more. La Playa’s Risk Concierge promises only the best,
ensuring that every client we work with is given utmost priority.
No call centres, hold music, hidden fees. with La Playa, you are our most important client.

Employee Benefits Concierge

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