PLANNING SCENARIOS
Building deeper connections with your clients
Shaped with input from advisers, our client scenarios are a great starting point for discussions with your clients.
HOW BUSINESS RELIEF CAN HELP
The Scenario
Ensuring full IHT exemption after the death of a spouse
In this client planning example, Sarah and Jane are married, are both in their early 90s, and both have two children from their previous marriages.
The Scenario
Estate planning for clients who want to retain access and control
Jessica wants to leave a legacy for her children but is still concerned about paying any future care costs.
The Scenario
Using Business Relief to pass on surplus assets more tax-efficiently
Ali is 70 and has built up significant assets. Without action, his estate is fully exposed to inheritance tax.
The Scenario
Using the tax-free lump sum to reduce future pension exposure to IHT
Matthew (aged 70) needs advice on which assets to spend first, bearing in mind the new pension rules from April 2027.
The Scenario
IHT planning for clients with a power of attorney in place
Mariam told her son she wanted to ensure her estate was passed on tax-efficiently to her grandchildren, but she has now lost capacity.
The Scenario
IHT planning for clients with limited life expectancy
Martha (aged 85) doubts she will live another seven years but still wants to reduce the inheritance tax liability on her estate.
The Scenario
IHT planning for clients with larger legacies
David and Linda Smith (both in their 70s) have surplus cash and want to maximise the legacy they leave to their three children.
The Scenario
IHT planning for clients who have recently sold a business
Vijay and Anita (both in their 70s) have recently sold their business and want to preserve as much of the sale proceeds as possible.
DOWNLOAD
Estate planning scenarios at a glance
Thinking about estate planning ideas to discuss with your client bank? Our menu gives you instant access to view and download all our estate planning client scenarios in one convenient document.
How can we help?
Next steps
Wherever you are in the process, we’re here to help you take the next step with confidence.
