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The Site has been approved for issue in the UK by AHR Financial Planning Limited trading as AHR. AHR Financial Planning is authorised and regulated by the Financial Conduct Authority (“FCA”), and is entered on the Financial Services Register with the firm reference number 208467.
AHR Financial Planning is part of a global group of businesses known asThe AHR Group. AHR Financial Planning Limited is registered in England and is established at 56, Wentworth Road, Blacker Hill, Barnsley, United Kingdom, S74 0RP, which is its registered office.
Unless otherwise stated in relevant sections of the website, this website is targeted at investors who are generally classified as qualified, professional, accredited or institutional. The information contained in this website is directed only at persons in a country or jurisdiction where access to the information and the use thereof is not contrary to local law or regulation. It is your responsibility to be aware of and to observe all applicable laws and regulations of any relevant jurisdiction when accessing the information contained in this website. In particular, no offer or invitation is made to any US persons (being residents of the United States of America or partnerships or corporations organised under the laws of the United States of America or any state, territory or possession thereof), who are excluded from the services, funds and products included in this site. There will be no public offering of services, funds and products in the United States.
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In these Terms
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We are required by law to tell you that the terms and conditions are in English and that we will communicate with you in English.
From this Site we may provide information or hyperlinks to other websites or pages provided by other entities within the AHR Group (‘Local Sites’) and other parties. Your use of Local Sites and other parties’ sites may be subject to their own terms and conditions. You should read them.
This Site is intended for those who access it from within the United Kingdom. Because of this we cannot guarantee that the Site, or the information thereon, complies with the local laws or regulations of, or is appropriate for use in, any other jurisdiction from which you access it. If you choose to access this Site from a jurisdiction other than the United Kingdom you do so at your own risk and the AHR Group will not be liable for any breach of local law or regulation that you commit as a result of doing so.
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Changes to our Terms
You acknowledge that we may amend these Terms from time to time, at our sole discretion. If we elect to amend these Terms, the revised version will be posted on the Site. You undertake to check the Site regularly for any changes we may have made since your last visit to the Site, since any such changes will be binding on you. By using the Site after we have changed or amended these Terms, you acknowledge that you will be accepting those changes or amendments.
These Terms & Conditions were last updated on 6th February 2019.
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The Content, including layout, of this Site or products or services available via this Site may be wholly or partially suspended, withdrawn or changed at any time.
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A Trust is an arrangement which allows you to pass assets to someone else, without losing complete control. When used appropriately, Trusts are particularly beneficial with estate and succession planning. Though notoriously complex, our trust planning experts will discuss the options available to you, in a way that’s easy to understand.
Trust & Estate Planning
The 3 parties of a Trust are:
The Settlor is the creator of a trust. They provide the assets that will be held within the trust and select the beneficiaries they wish to benefit from those assets in the future.
The Trustees are those whom the assets are entrusted to. They are responsible for the management and distribution of the assets in-line with the trust deed. A trustee must be at least 18 years old, of sound mind and not bankrupt. A company can also be appointed as a trustee.
Beneficiaries are those that benefit from the assets placed within the trust. Depending on the type of trust, beneficiaries can be absolute (fixed) or discretionary (flexible).
What can a Trust do for you?
1 Tax MitigationRead More
Assets placed into trust are not considered a part of the settlor’s estate upon death, therefore ...their value is not included when calculating the settlor’s inheritance tax liability. With inheritance tax currently at 40%, the use of a trust can make a huge difference in the amount your loved ones receive when you die.
A settlor must survive 7 years after the assets are placed into trust for the full value to fall out of their estate. If the settlor doesn’t survive 7 years, there is a tapered rate of tax applied.
2 Avoiding ProbateRead More
Once assets are placed into trust, they no longer belong to the settlor therefore a grant of ...probate is not required to distribute them.This can save precious time, legal fees and administrative stress.
3 Managing your AssetsRead More
Certain types of trust can provide flexibility when it comes to distributing assets alongside ...tax mitigation. If you are looking to structure your estate to pass wealth to children/grandchildren that are currently minors, the use of a discretionary trust will ensure they receive the assets when they are capable of managing the responsibility.
If one of your beneficiaries is incapable of managing their assets due to disability, a trust will distribute the assets to them appropriately.
If you are concerned about a conflict between beneficiaries e.g. if you have children from different marriages, a trust will distribute the assets appropriately.
4 Protecting your assetsRead More
As the use of a trust passes ownership of the assets to trustees, the assets are protected ...from creditors and soon to be ex-partners during a divorce. A discretionary trust can also protect assets from those who may take advantage of a beneficiary.
For example, partners of a beneficiary who may wish to access the assets for their own gain. A discretionary trust will only pass on the assets to the beneficiary when they deem it in the settlor and beneficiaries’ best interest.
5 Provide FlexibilityRead More
Certain trusts allow a settlor to place assets in trust for beneficiaries, but still continue to ...benefit from the assets themselves. Trusts also provide flexibility in the way benefits are paid to beneficiaries.
Discretionary trusts are used to ensure benefits are only paid when the beneficiaries are deemed capable of managing the assets appropriately. This is at the discretion of the trustees, in-line with the settlors wishes, hence the name ‘discretionary trust’.
Types of Trust
Beneficiaries are named at outset and cannot be changed. When beneficiaries reach the age of majority (18 in the UK), they can demand their benefits under the trust.
Settlor Included Discretionary Trust
Beneficiaries can be added at any point (including the settlor) and the trustees will use their discretion on who can benefit from the trust and when. Benefits cannot be demanded by beneficiaries as there is no absolute right.
Settlor Excluded Discretionary Trust
Beneficiaries can be added at any point (excluding the settlor) and the trustees will use their discretion on who can benefit from the trust and when. Benefits cannot be demanded by beneficiaries as there is no absolute right.
Discounted Gift Trust
The trust is created by means of a gift, but the settlor retains the right to capital payments from the trust. The ‘discount’ is determined by the actuarial value of the withdrawals and reduces the value that is transferred into trust.
The trust is created as a loan to the trustees for investment, rather than giving the assets away. The loan is repayable on demand and can be paid periodically or as a single lumpsum.
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Disclaimer: The material provided on this website does not constitute financial advice and is for information purposes only, the information provided is subject to change without notice.