Estate planning

Passing on your wealth

Inheritance Tax (IHT) is the tax that you pay on the value of your estate on death if it exceeds a certain value. With careful planning, IHT can be considerably reduced or even removed completely, so that your loved ones can receive as much of your legacy as possible. There are various options available to you to reduce or remove IHT, including:

Gifting to reduce the value of your estate. This needs to be carefully managed so that you have sufficient money to live on.
Trusts such as Discounted Gift Trusts, Loan Trusts and Reversionary Interest Trusts. Each type has various means of providing an income whilst reducing the value of your estate.
Life assurance to ensure that funds are available to cover the IHT bill, so that your beneficiaries receive the full estate.

Naturally, this is a complex area which requires careful planning and advice. Sometimes there is a need to involve other professions, such as solicitors and accountants. We will work closely with yours, or can recommend our own professional contacts for you to appoint. To discuss how you can make sure that your loved ones receive as much of your estate as possible, please get in touch.

"When my wife & I wanted to re mortgage in order to staircase to a larger percentage of our shared ownership property, we found Mark to be an enormous help. It's no exaggeration to say they we couldn't have done it without him. From the very start he was friendly, communicative & open. Despite the problems caused by the Covid pandemic Mark was always approachable & ready to talk us through any steps we wanted to go over, either on Zoom, phone or email. As for the actual mortgage product, we couldn't be happier. Everything we were after, Mark found & found it within our means. We will certainly use his services again in the future. Thumbs up for Mark. "

Nick Dawe

A client since 2020

London

06/06/2021

"Mark Bastable has been advising my wife and I for over six years and we are extremely satisfied by the services he offers. He has advised us mainly in the area of savings for retirement – an area very important to everyone. His advice is always balanced, informative and as time has shown is extremely good. He also has a broad width of general financial advice and knowledge and is a good source of guidance and assistance with our other needs. We would wholeheartedly recommend Mark. Personally, we are looking forward to a long and beneficial relationship with him."

Steve Hough

A client since 2015

Andover

17/06/2021

"We have used Mark’s services for many years. He has provided us with sound financial advice in a wide range of areas, including stocks and shares, ISAs and inheritance tax and we are more than happy to recommend him to others."

Margaret Garrod

A client since 2005

Fleet

17/06/2021

"We have used Mark for decades now and always feel he understands our aims and targets very well. We feel relaxed and totally trust and follow his very professional advice, which he has built up over the many years he has been in a finance advisory roll. We would always strongly recommend Mark to anyone who is looking for financial advice."

Ken Bowden

A client since 2001

Basingstoke

23/06/2021

"Mark has provided excellent financial advice to my wife and I over the last 7 years. The decisions we make are well explained and always in our best interest based on our detailed discussions. Mark prides himself on knowing our long term financial goals and as such can always explain the best course of action. I go to Mark when making any significant financial decision as I feel comfortable he will listen and advise accordingly. The benefit of Mark’s good financial advice and planning helps give security and confidence for our future."

Andrew Winnett

A client since 2014

Andover

22/07/2021

"We first used Nathan Morrisen as our financial adviser, just a few months back when he became a huge help and took on the task of helping us re-mortgage our home, which was then unmortgaged, to raise funds to buy a second home in Cornwall. Nathan visited us in our home to take further details and progress things and very quickly found us several lenders that were willing to consider our application. He found an exceptionally good deal and went above and beyond in getting this for us, despite having some procedural and red tape issues from the Lender regarding our particular and unique situation, which wasn’t a standard set up on paper. The whole deal would have fallen through, had it not been for Nathan’s tenacity and sense of fair play to actually get the lender to follow through on our transaction when we found ourselves in the position of being ideal candidates in reality. All the time wasted by the lender deliberating nearly cost us the excellent rate that Nathan had originally found and again, he fought and argued the case that we should get the deal we originally applied for – and we did. Nothing was too much trouble; he was always there at the end of the phone and it was quite honestly refreshing to experience this approach. I wouldn’t hesitate to recommend Nathan to anyone who needs financial advice, really just as the lovely, personable guy he is, we would use him again automatically. "

Rachel Spanswick

A client since 2021

Lamborn

27/08/2021

"Mark has provided long term investment advice for my wife and I for a number of years. Our annual review takes a detailed look at our ongoing financial goals, changes to our financial position and any changes to our risk profile to ensure that our investments continue to meet our needs. Mark explains the investment evaluation process in simple terms to ensure we are comfortable with the choices we make. There is no pressure as all the decisions are ours. We are happy to continue using Mark as our adviser."

David Bull

A client since 2021

Basingstoke

08/11/2021

Passing on your wealth

Helping you plan for today, tomorrow and the unexpected