Our Services

MENU

WHAT WE OFFER

Our advisers have significant experience in a range of areas, and are able to provide bespoke specialist advice on everything from mortgages to pensions.

Read more

IFAs

While there are many places to turn to for financial advice, an Independent Financial Adviser (IFA) is able to offer you unbiased advice on financial products across the entire market.

Read more

MORTGAGES

We know how time consuming it can be to establish exactly which mortgage is right for you. Our financial advisers can help you select the best mortgage available, and help with the paperwork that comes with it.

Read more

FINANCIAL ADVICE

When it comes to more complicated financial matters such as investments or pensions, a financial adviser who knows the ins and outs can point you in the right direction.

Read more

SAVINGS & INVESTMENTS

There are many different types of savings and investments, each with different structures and tax implications. We can discuss your aims and objectives and recommend the most suitable ways to achieve your goals.

Read more

TAX PLANNING

Taxation can be very complicated. The rules, reliefs and allowances often change, meaning it is important to stay on top of the current laws to ensure you're managing your finances in a tax-efficient way.

Read more

PENSIONS & RETIREMENT

As pension specialists, we can provide advice on areas of pensions which other advisers simply aren't qualified to advise in. We can help you decide how much you should be putting in your pension as well as ensuring that your pension contributions are tax efficient.

Read more

ESTATE PLANNING

Unfortunately, estate planning is not just for the retired or the wealthy. We can help arrage your estate appropriately so that it is distributed in line with your wishes.

Read more

EQUITY RELEASE

Equity release describes a range of products that allow you to release the cash tied up in your home without moving. Niche IFA are regulated by the FCA to advise and sell equity release products.

Read more

INSURANCE

Hopefully you will never need to make a claim against your insurance. However, if the time comes, you want to be absolutely sure that the insurance you have is right for you. Here at Niche IFA, we can help decide what type and level of insurance is suitable based on your current situation.

Read more

LONG TERM CARE

Providing long term care can sometimes be a serious financial burden on those who need care and their relatives. We work closely with care providers and solicitors to provide specialist advice on care fees and funding long term care.

Read more

SERVICES TO OTHER IFAs

We are a firm of Chartered Financial Planners with a team of highly knowledgeable advice givers. With this in mind, we have the capacity to increase our business and look after a larger "bank" of clients without reducing the quality of our service.

Read more

CASHFLOW PLANNING

Here at Niche IFA, we have developed a widely-used online suite of financial planning tools called CashCalc. CashCalc includes a cashflow modeller which we make use of to provide you with a closer look at your current financial situation and potential future.

Read more

Estate Planning

ESTATE PLANNING

Overview

Inheritance Tax Will Writing Probate

Estate Planning

What is Estate Planning?

Estate Planning is the process of arranging for how you would like your estate distributed upon your death. Estate Planning typically attempts to eliminate uncertainties over the administration of probate by writing a Will, and maximize the net value of the estate by reducing taxes where possible. Guardians are often designated for minor children and beneficiaries in incapacity.

Good Estate Planning is much more than that, however. It should also:

When should I start thinking about estate planning?

The only answer to this is now.

Estate Planning is not just for retired people, although people do tend to think about it more as they get older. Unfortunately, we can’t successfully predict how long we will live, and illness and accidents happen to people of all ages.

Estate Planning is not just for the wealthy either, although people who have built some wealth do often think more about how to preserve it. Good Estate Planning often means more to families with modest assets, because they can afford to lose the least.

Individuals put off estate planning because they think they don’t own enough, they’re not old enough, they’re busy, think they have plenty of time, they’re confused and don’t know who can help them, or they just don’t want to think about it. Then, when something happens to them, their families have to pick up the pieces.

What happens if I don’t have a plan ready?

At your death: If you die without an intestate (i.e. without leaving a valid will), your assets will be distributed according to the laws of intestacy. This is a set procedure of distributing your estate to your surviving relatives and may mean that your estate is not distributed according to your wishes. If you have no surviving relatives then ultimately your estate will go to the Crown. If you have an estate plan ready, you have control of who receives what and when. Be it a family heirloom that you want to pass down to your grandchildren or money that you want to give your brother to pay off his home. An estate plan helps to keep you both yours and your families’ minds at peace in case the worst happens.

How can we help?

Here at Niche we can help arrange your estate appropriately so that it is distributed in line with your wishes. We can help with all of the different areas of planning from Inheritance Tax planning, will writing to assisting with the Probate process upon the death of a loved one.