One of the most important roles for Concerva is looking to reduce tax exposure by:

• Assess your estate value vs IHT thresholds
• Use allowances (nil-rate band, spouse exemptions)
• Recommend tax-efficient strategies

The aim is to maximise what your beneficiaries receive, not HMRC.

Trusts are a key tool; Concerva can add real value and will help with:

• Deciding which type of trust (bare, discretionary, interest in possession)
• Placing assets (cash, investments, life policies) into trusts
• Ensuring control over how and when beneficiaries receive money

Trusts can:

• Protect assets from divorce or creditors
• Control inheritance for children
• Reduce tax liabilities

Concerva works alongside solicitors to:

• Ensure your will aligns with your financial plan
• Help set up Lasting Power of Attorney (LPA)
• Coordinate legal structures with tax strategy

Without a will, your estate follows intestacy rules - often not what you would want.

Estate planning isn't just about death - it's also about your finances now. Concerva will:

• Structure investments for tax efficiency
• Use pensions strategically (often outside your estate)
• Plan gifting strategies over time

Estate planning is ongoing - it evolves as your life changes.

This can be especially relevant if you have:

• Children or dependants
• A family business
• Complex assets

Concerva can help to:

• Plan intergenerational wealth transfer
• Appoint guardians for minors
• Structure business succession

This reduces disputes and ensures clarity for your family.

Concerva will also integrate:

• Life insurance (often written in trust)
• Protection against long-term care costs
• Income protection