We will conduct a thorough review of the composition of your estate, assessing the value and structure of your assets to identify any potential inheritance tax (IHT) liabilities. As part of this process, we will have an open and informed discussion with you about how these liabilities may affect the future transfer of your wealth, and explore ways in which they can be minimised or in some cases, eliminated through effective planning.
This may include the use of wills, trusts, lifetime gifting, and other tax-efficient strategies, all tailored to your specific circumstances and wishes. Our aim is to help you pass on more of your estate to your chosen beneficiaries while ensuring full legal and regulatory compliance.
At the heart of any planning we propose is a firm commitment to your own financial security and quality of life. We will ensure that adequate resources are reserved so that you can continue to live comfortably and with dignity, with particular consideration given to the potential future cost of care. This balanced approach ensures that your estate planning is not only tax-efficient but also compassionate, practical, and sustainable.
FAQ's
What our client’s say
"We've always found Cilbenrick to be thoroughly professional; attentive, pro-active, responsive to our requests and very friendly and personable. They give us excellent feedback on our portfolio which includes a good overview with detailed analysis behind it to support their recommendations. They are creative and are always willing to research the best ways to make investments work for their clients. They are people-orientated; are very knowledgeable, honest, reliable and diligent and we would have no hesitation in recommending Cilbenrick to prospective new clients"
Mark & Fiona Wilson - Human Resources Manager
"The key strengths I find in using the services of Cilbenrick are the reassurance that specialists are monitoring the performance of our investments and providing regular updates and advice to enable us to maximise returns. I also like having our investments under one umbrella to simplify the administration of our financial affairs"
SANDRA EVANS - ACCOUNTANT
"This is how financial planning should be! A full investigation of your current position. Time spent analysing where you want to be in future. Then a sophisticated software package and advice to help you decide how you are going to get there. First class"
Austin & Judith Roberts - Optician
"The level of detail is excellent and, though requiring accurate and in-depth input, it has allowed important decision making to take place. Without this process we would still be wondering whether these things were possible and what effect this would have in later life. Now we know"
Andrew & Hilary Quinlan - Management Consultant
"We have found the level of service provided by Cilbenrick very thorough and detailed, proving very informative and helpful, thus enabling us to make decisions about our future and our children's"
Martin & Hilary Salmon - Farmer
"I have regular reviews of the performance of my portfolio and total transparency of movements within the wrapper. Moving the mix of investments between the best performing funds has provided above-average returns. I am very pleased with the professional advice Cilbenrick has provided over the years and would not hesitate to recommend their services"
Andreas Klimczak - Management Consultant
"Since appointing Cilbenrick as my financial advisers, they have significantly improved the returns of my pension and investment portfolio. Their advice has given me greater confidence, understanding and re-assurance"