Tax & Estate Planning
Read-only wrapper, property, gift, and estate planning.
Strategy written
£197,741
1 wrapper
Stocks & Shares ISA
Tax implications for me
Tax changes for descendants
£52,917
1 wrapper
Cash ISA
Tax implications for me
Tax changes for descendants
£355,186
1 wrapper
Self-Invested Personal Pension
Tax implications for me
Tax changes for descendants
No material tax changes.
£325,794
1 wrapper
General Investment Account
Tax implications for me
Tax changes for descendants
£462,750 value, £333,810 equity
1 property
Family Home
Tax implications for me
Tax changes for descendants
Total gifts
£95,000
Historic
2 / £25,000
Planned
11 / £70,000
£10,000
From General Investment Account (GIA) - Cash
Estimated death tax saved: £4,000
Historic gift to help an adult child with essential home repairs.
£15,000
From General Investment Account (GIA) - Cash
Estimated death tax saved: £6,000
Historic gift toward an adult child's first-home deposit; bank evidence retained with the gift record.
£5,000
From Cash ISA (Cash ISA) - Cash
Estimated death tax saved: £2,000
James plans to take this annual gift from the Cash ISA and split it between the two children.
£5,000
From Cash ISA (Cash ISA) - Cash
Estimated death tax saved: £2,000
James plans to take this annual gift from the Cash ISA and split it between the two children.
£5,000
From Cash ISA (Cash ISA) - Cash
Estimated death tax saved: £2,000
James plans to take this annual gift from the Cash ISA and split it between the two children.
£5,000
From Cash ISA (Cash ISA) - Cash
Estimated death tax saved: £2,000
James plans to take this annual gift from the Cash ISA and split it between the two children.
£5,000
From Cash ISA (Cash ISA) - Cash
Estimated death tax saved: £2,000
James plans to take this annual gift from the Cash ISA and split it between the two children.
£5,000
From Cash ISA (Cash ISA) - Cash
Estimated death tax saved: £2,000
James plans to take this annual gift from the Cash ISA and split it between the two children.
£5,000
From Cash ISA (Cash ISA) - Cash
Estimated death tax saved: £2,000
James plans to take this annual gift from the Cash ISA and split it between the two children.
£5,000
From Cash ISA (Cash ISA) - Cash
Estimated death tax saved: £2,000
James plans to take this annual gift from the Cash ISA and split it between the two children.
£20,000
From Self-Invested Personal Pension (SIPP)
Estimated death tax saved: £8,000
James plans to withdraw this from his SIPP for the eldest grandchild's university costs, assuming the pension withdrawal will be tax-free.
£5,000
From Cash ISA (Cash ISA) - Cash
Estimated death tax saved: £2,000
James plans to take this annual gift from the Cash ISA and split it between the two children.
£5,000
From Cash ISA (Cash ISA) - Cash
Estimated death tax saved: £2,000
James plans to take this annual gift from the Cash ISA and split it between the two children.
Estate Tax Exposure / Planning Opportunity
~£113k
Inheritance tax exposure
~£113k
Capital gains reset
~£11k
Loss of residence nil-rate band
£0
Loss of beneficiary pension benefits
£0 to £0
Taxes saved by gifts
£38k
Based on 13 gifts.
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