After more than 30 years of working with individuals and families, helping them to build and protect financial wealth, we understand how important it is to help our clients make a real difference to their loved ones in the years to come.
We have developed our own process designed to sensitively and wisely help our clients make the best decisions for gifting their estate to those they love. We call this the The Legacy Protection Plan™ and this is how it works.
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Asset Assessment Discussion
So that we can fully understand any planning done in the past, and where our clients are now, we will have a full discussion about their circumstances. This will include finding out about their savings, income, pensions, life cover, and property. If there are likely to be changes in circumstances in the future, including making gifts to children or receiving inheritances, these factors can be included in the planning decisions today. During this discussion, we will chat about family and loved ones, and how our clients would like to be remembered by them.
Solutions Builder
We will carefully consider the circumstances, the outcomes needed, and the Estate Planning options that are available. We will consult with our legal and financial planning partners to create the right solutions for our clients. The legacy our clients leave can be protected in many ways and we will help them to understand the options, for example, by using life cover, Wills and Trusts, or making gifts now and in the future.
Protection Planning Presentation
We spend time explaining and discussing our recommendations, and how these solutions will help to leave a lasting legacy. We can discuss and refine the Solutions Builder to make sure that it meets Estate Planning needs. When comfortable with the solutions, relevant family members and loved ones can be included in these discussions. This is to make sure that they understand the concepts, why our clients are taking planning action, and how it will benefit them in the future. They may also be included as Executors, Trustees and Attorneys in planning so it is very important that they understand what their responsibilities will be. We are on hand to describe this to them and answer any questions they may have, during the meeting.
Legacy Protection Plan™
When happy that we have decided on the best ways to protect our clients Estate beneficiaries, it is time to take action. This will involve completing the relevant documents before arranging for the appropriate work to be undertaken. This could include using our Will and Trust writing experts, to make sure that the Legacy Protection Plan™ is professionally underwritten from the outset. Also, our financial planning partners are on hand to help with any changes that might be necessary to assist with Estate Planning. If clients would like to have their original documents safely stored, we can arrange this for them.
Annual Upkeep
Annual upkeep is recommended in order to make sure that circumstances are regularly reviewed, that clients are maximising their planning opportunities, and that the arrangements made continue to meet their needs. We are available to help with annual Trustee meeting documentation, if appropriate, so that it can always be demonstrated that Trusts are being correctly maintained and accounted for.