at Althorp House, 18 Franklin Drive, Stallington , Stoke-on-Trent United Kingdom
Tailored bespoke face 2 face guaranteed financial planning advice helping you protect your family & assets, investments, pension, IHT, trusts, care costs.
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Moving house ? Don't go with the mortgage arrangers life & critical illness quotes ! Let me review your protection policies for free. In box me to arrange a meeting or second opinion.
*Important must read if you have any Pension and how to Protect it through me for FREE* A pension is an asset, which has a monetary value, which has death benefits payable on your death to your spouse, partner or your other chosen beneficiaries. Your lump sum death benefit will be paid direct to these individuals, meaning that the money will be in their estate for inheritance tax purposes and taken into account for divorce settlements, means tested benefits and Long Term Care. There is a simple way of protecting your lump sum death benefits from these and other occurrences and I advise everyone with a pension, married or single, with or without children to have one in place. The St. James’s Place Asset Preservation Trust (APT) This is a trust set up during your lifetime and will receive any death benefits from your pension, while providing your chosen beneficiaries, including your surviving spouse, with full access and control. Please inbox or call me on 07454628279 if you would like more information on how this FREE trust would work for you or to discuss other ways of protecting the wealth you have generated. Some brief additional information is below What are the benefits? While the Asset Preservation Trust is primarily designed to preserve the value of your estate for future generations through the avoidance of IHT, without restricting access to income and capital for your beneficiaries, it can also offer other benefits: • The IHT savings can be enhanced by providing your spouse/partner with an income or capital in the form of a loan. This creates a debt on their estate and therefore further reduces their own estate for IHT purposes. • It is very flexible and, by carefully selecting your trustees, you can ensure benefits reach your intended beneficiary(ies) in the way you intended. For example, if you are married but have children from a previous marriage, you can ask your trustees to provide your survivor with an income payable for the duration of their life, with the remaining capital being left to your children. • As the assets, are not directly owned by your beneficiaries, should any form of long-term care provision be required, the Local Authority will be unable to attribute the value of the trust fund as their asset when conducting a ‘means test’. This could preserve the estate for your eventual beneficiary(ies), although it may be possible for the trustees to ‘top up’ to the value of any benefits provided by the Local Authority. • It aims to prevent your spouse/partner from passing the money onto others who you might not necessarily have chosen to benefit. For example, without the Asset Preservation Trust, if they remarry, your own children may be excluded from benefiting from these funds. • Monies left in trust in this way would be protected from any claim made against your beneficiaries by creditors. This may be useful if they have given a personal guarantee, perhaps in business or to support a sibling. • The Asset Preservation Trust is a discretionary trust and as such may be subject to IHT periodic and exit charges. However, it still provides valuable benefits as outlined above. Which benefits may pass to the Asset Preservation Trust? The Asset Preservation Trust can be used to receive monies from a variety of pensions, including the following: • Occupational Schemes. • Personal Pensions (excluding Retirement Annuity Contracts). • Additional Voluntary Contribution Schemes (including Free Standing AVCs). • Small Self-Administered Schemes. • Self-Invested Personal Pensions. • Funded Unapproved Retirement Benefit Schemes. • International Pension Schemes. • Excepted Group Life Plans. • This is the only trust of this type to be accepted by the NHS.
*Protection Review* When was the last time you reviewed your life and protection products ? With increased benefits and competition in the industry it is likely most people can save on these premiums and who wouldn't want to do that? for a free protection review call 07454 628279 or in box me.
*Increased ISA Allowances* If you haven't yet used your increased ISA allowance of up to £15,000 for this tax year (2014/2015) and which too, please call me to discuss the unique investment approach and portfolios I can offer you on 07454 628279.