Advisers often talk to us about how their clients don’t view estate planning as something that is relevant to them, or that they simply believe there are too many negative associations for them to act, meaning they miss out on the benefits of early planning. While some estate planning solutions can provide poor outcomes and don’t reflect a good value service to clients, this doesn’t have to be the case with modern solutions. Here are the most common challenges we come across and how we believe you can support estate planning clients to overcome them and achieve a positive outcome.

Inheritance Tax savings are only possible over time, what if the client dies first?

It’s true that many Inheritance Tax (IHT) mitigation solutions take time to become effective. Business Relief qualifying services take two years, and gifting and trusts take as long as seven years to become effective. With these estate planning options, there is a very real risk that if the client dies in that time, their estate will be liable for IHT on their savings at the rate of 40%, not achieving one of the key objectives of the financial plan. However, this no longer needs to be the case.

With IEP Apex, complimentary insurance cover is provided by the Manager for the first two years. This means that the IHT due on the initial investment value would be covered from day one of share allotment. After that, the investment should qualify for Business Relief, which mitigates the impact of IHT on the investment should the investor die.

Solutions that mitigate against IHT provide no potential for growth

Just because someone is thinking about estate planning, it doesn’t mean they stop caring about their assets having the potential to generate a healthy return. Unfortunately, when a client gifts money to their beneficiaries with the intent of mitigating IHT after 7 years, they are indeed forgoing the potential for any investment growth on that amount.

Ingenious Estate Planning employs a number of investment strategies that aim to deliver carefully managed returns. For instance, IEP Private Real Estate targets a return of 5-7% per annum, net of fees. This means that an investor that might be expecting to live for many years to come may accrue a reasonable return to either provide an income element, or grow the legacy they can ultimately pass on to their beneficiaries, whilst mitigating against the potential impact of IHT.

Clients will have to relinquish control of their assets

Life is unpredictable and your clients’ needs change. Circumstances such as helping out family members, paying for health or social care, or simply living for longer than expected, mean that estate planning clients don’t always want to give up control of their assets. Solutions such as gifts or Trusts often mean limited or no flexibility over accessing the money in the future.

With Ingenious Estate Planning, investors do not have to give away their assets, giving the peace of mind that they have flexibility and access to their savings should their situation change. Investors can draw down the growth generated by the investment, take a fixed amount annually, or redeem their entire investment if need be, subject to liquidity. Please refer to the Brochure and Investor Agreement for full terms and conditions and applicable Exit Fees.

Investments that meet all my clients’ desired outcomes are expensive

High costs of course impact investment returns negatively and so should be avoided. Excessive costs and charges can mean the investment is not the best value for the investor and that the manager is taking a significant benefit.

IEP services have been rated by the Tax Efficient Review* to be among the most competitively priced in the market, and since then, IEP Apex has launched with complimentary insurance cover for the first two years, paid for by the Manager. When it comes to achieving the best outcome for investors with the fairest value, IEP Apex could be the solution for clients who are concerned they will be paying high fees.

Estate planning is only for the super-rich

Many clients might assume that IHT is only a problem for the super-wealthy and that they don’t have enough assets to make any estate planning necessary or worth it. It is important for them to understand the nil-rate band (NRB) – that is the threshold up to which no IHT is paid. The NRB is set at £325,000, with an additional potential of a residence NRB at £175,000 if a property is owned. There are some variations around these allowances for spouses, but put simply this means that upon death, IHT liabilities can kick in on an estate of just £500,000.

IHT receipts are rising steeply, with a 14%** increase between FY 2020 and 2021. This is partly due to the increase in property prices pulling more estates above the NRB and this is set to continue as the NRB is frozen until 2026, making Inheritance Tax a problem for the masses, not just the super-wealthy.

We hope this article will help you to bust some estate planning myths with your clients to help them make the right decision for them. Please download our client-friendly estate planning myth buster booklet to help with your conversations.

Is estate planning right for you?

*TER June, 2021

**Gov.uk, HM Revenue & Customs, 28 July 2022

Important information

The information, data and analyses presented herein do not constitute investment advice; are provided as of the date written; and are subject to change without notice. Every effort has been made to ensure the accuracy of the information provided, but Ingenious Capital Management Limited (hereafter; ICML) makes no warranty express or implied regarding such information. Nothing within this document constitutes investment, tax, legal or other advice. Our investments are considered high risk and investment decisions regarding them should be made with careful consideration. Except as otherwise required by law, ICML shall not be responsible for any trading decisions, damages or losses resulting from, or related to, the information, data, analyses or opinions or their use. 

Investments with particular tax features will be dependent on your personal circumstances and tax rules may change in the future. Past performance is no guarantee of current or future returns and the investor may receive back less than invested. The price of investments and the income deriving from them can go down as well as up and are not guaranteed. To find the full details of the risk factors and associated mitigation techniques of the fund(s), please refer to the relevant fund documents. Ingenious Capital Management Limited is authorised and regulated by the Financial Conduct Authority under FRN 562563. Registered Address: 15 Golden Square, London, W1F 9JF.

Please note that the availability of Business Relief from Inheritance Tax and Investors’ relief for capital gains tax will be subject to the changes announced in the Autumn 2024 budget. Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment. Take 2 mins to learn more.

First published on FTAdviser

Speaking to advisers for many years now has allowed me to realise that a consistently challenging task they face is not only establishing the best route to take when offering estate planning advice to clients, but also in getting clients to accept it and then act. Without action, the best laid plans of both mice and financial planners won’t be successful and deliver value.

The reasons cited for this inertia commonly group around two systemic problems.

The first obvious one is the client normally has absolutely no idea when they are going to die. This poses an issue as nobody knows exactly how long the client has to act so generating any sort of urgency is impossible. It’s also due to this uncertainty in timing, nobody has any idea which plans would ultimately prove successful. Life insurance is the key exception to this as it would offer an immediate impact, but taking out Whole of Life insurance cover poses an indefinite ongoing financial liability; the exact opposite of the kind of clarity the clients would be after before taking action. Therefore any plan that can’t offer the certainty of being effective from an IHT perspective from Day 1 will be unattractive as it will inspire a lack of confidence and invite a delay in action. Either issue would prove to be a road-hump; both together are a cul-de-sac.

The second common issue is that if the client doesn’t have a crystal ball, they can’t know exactly what is in store for their financial fortunes and so can’t compute what their final IHT liability will be when they die. If they don’t know this, how can they possibly establish how much they can afford to part with or how much insurance cover they actually need (to afford)? Again, if clients neither have ongoing access to all their funds or know exactly what they can afford, they will find it near impossible to commit to a plan that deprives them of their assets in some way.

For these two main reasons, discussions over estate planning can all too often be held without the agreement of actually taking action on a specific plan. And as we all know, “failing to plan is planning to fail.”

So what’s important to solve this?

Ultimately if the plan you recommend to clients works speedily and allows clients to retain access to all their assets, you will have removed both of the main issues they find stops them from taking action.

Inheritance Tax savings are only possible over time, what if the client dies first?

It’s true that many Inheritance Tax (IHT) mitigation solutions take time to become effective. Business Relief qualifying services take two years, and gifting and trusts take as long as seven years to become effective. With these estate planning options, there is a very real risk that if the client dies in that time, their estate will be liable for IHT on their savings at the rate of 40%, not achieving one of the key objectives of the financial plan. However, this no longer needs to be the case.

With IEP Apex, complimentary insurance cover is provided by the Manager for the first two years. This means that the IHT due on the initial investment value would be covered from day one of share allotment. After that, the investment should qualify for Business Relief, which mitigates the impact of IHT on the investment should the investor die.

Solutions that mitigate against IHT provide no potential for growth

Just because someone is thinking about estate planning, it doesn’t mean they stop caring about their assets having the potential to generate a healthy return. Unfortunately, when a client gifts money to their beneficiaries with the intent of mitigating IHT after 7 years, they are indeed forgoing the potential for any investment growth on that amount.

Ingenious Estate Planning employs a number of investment strategies that aim to deliver carefully managed returns. For instance, IEP Private Real Estate targets a return of 5-7% per annum, net of fees. This means that an investor that might be expecting to live for many years to come may accrue a reasonable return to either provide an income element, or grow the legacy they can ultimately pass on to their beneficiaries, whilst mitigating against the potential impact of IHT.

Clients will have to relinquish control of their assets

Life is unpredictable and your clients’ needs change. Circumstances such as helping out family members, paying for health or social care, or simply living for longer than expected, mean that estate planning clients don’t always want to give up control of their assets. Solutions such as gifts or Trusts often mean limited or no flexibility over accessing the money in the future.

With Ingenious Estate Planning, investors do not have to give away their assets, giving the peace of mind that they have flexibility and access to their savings should their situation change. Investors can draw down the growth generated by the investment, take a fixed amount annually, or redeem their entire investment if need be, subject to liquidity. Please refer to the Brochure and Investor Agreement for full terms and conditions and applicable Exit Fees.

Investments that meet all my clients’ desired outcomes are expensive

High costs of course impact investment returns negatively and so should be avoided. Excessive costs and charges can mean the investment is not the best value for the investor and that the manager is taking a significant benefit.

IEP services have been rated by the Tax Efficient Review* to be among the most competitively priced in the market, and since then, IEP Apex has launched with complimentary insurance cover for the first two years, paid for by the Manager. When it comes to achieving the best outcome for investors with the fairest value, IEP Apex could be the solution for clients who are concerned they will be paying high fees.

Estate planning is only for the super-rich

Many clients might assume that IHT is only a problem for the super-wealthy and that they don’t have enough assets to make any estate planning necessary or worth it. It is important for them to understand the nil-rate band (NRB) – that is the threshold up to which no IHT is paid. The NRB is set at £325,000, with an additional potential of a residence NRB at £175,000 if a property is owned. There are some variations around these allowances for spouses, but put simply this means that upon death, IHT liabilities can kick in on an estate of just £500,000.

IHT receipts are rising steeply, with a 14%** increase between FY 2020 and 2021. This is partly due to the increase in property prices pulling more estates above the NRB and this is set to continue as the NRB is frozen until 2026, making Inheritance Tax a problem for the masses, not just the super-wealthy.

All this means that advisers and clients alike can have confidence that should their advice be accepted and the client takes action not only should their IHT issue be alleviated immediately but they will have confidence that they will retain full access and control over the investment indefinitely. This will mean clients should be fully confident to proceed and there is no need for inertia.

A speedy service will promote speedy action to deliver a speedy outcome.

If you haven’t considered IEP Apex for your client’s IHT requirements, now is the time to do so.


*Ingenious survey – PFS Retirement and Later Life Roadshows – May 2022

Age and health restrictions apply. Refer to brochure for limits.

To learn more about IEP Apex, and its additional care service, click below, and one of our team members will be in touch

Please note that the availability of Business Relief from Inheritance Tax and Investors’ relief for capital gains tax will be subject to the changes announced in the Autumn 2024 budget. Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment. Take 2 mins to learn more.

Do you receive third-party support for your research and due diligence?

93% of advisers told us that the speed of IHT mitigation, as well as maintaining access and control over client assets, are the primary motives when recommending Business Relief qualifying investments (BR) to clients1

At Ingenious we have launched a new BR-qualifying service which provides peace of mind with IHT mitigation from day one of share allotment via insurance cover which is paid for by the Manager.

Inheritance Tax savings are only possible over time, what if the client dies first?

It’s true that many Inheritance Tax (IHT) mitigation solutions take time to become effective. Business Relief qualifying services take two years, and gifting and trusts take as long as seven years to become effective. With these estate planning options, there is a very real risk that if the client dies in that time, their estate will be liable for IHT on their savings at the rate of 40%, not achieving one of the key objectives of the financial plan. However, this no longer needs to be the case.

With IEP Apex, complimentary insurance cover is provided by the Manager for the first two years. This means that the IHT due on the initial investment value would be covered from day one of share allotment. After that, the investment should qualify for Business Relief, which mitigates the impact of IHT on the investment should the investor die.

Solutions that mitigate against IHT provide no potential for growth

Just because someone is thinking about estate planning, it doesn’t mean they stop caring about their assets having the potential to generate a healthy return. Unfortunately, when a client gifts money to their beneficiaries with the intent of mitigating IHT after 7 years, they are indeed forgoing the potential for any investment growth on that amount.

Ingenious Estate Planning employs a number of investment strategies that aim to deliver carefully managed returns. For instance, IEP Private Real Estate targets a return of 5-7% per annum, net of fees. This means that an investor that might be expecting to live for many years to come may accrue a reasonable return to either provide an income element, or grow the legacy they can ultimately pass on to their beneficiaries, whilst mitigating against the potential impact of IHT.

Clients will have to relinquish control of their assets

Life is unpredictable and your clients’ needs change. Circumstances such as helping out family members, paying for health or social care, or simply living for longer than expected, mean that estate planning clients don’t always want to give up control of their assets. Solutions such as gifts or Trusts often mean limited or no flexibility over accessing the money in the future.

With Ingenious Estate Planning, investors do not have to give away their assets, giving the peace of mind that they have flexibility and access to their savings should their situation change. Investors can draw down the growth generated by the investment, take a fixed amount annually, or redeem their entire investment if need be, subject to liquidity. Please refer to the Brochure and Investor Agreement for full terms and conditions and applicable Exit Fees.

Investments that meet all my clients’ desired outcomes are expensive

High costs of course impact investment returns negatively and so should be avoided. Excessive costs and charges can mean the investment is not the best value for the investor and that the manager is taking a significant benefit.

IEP services have been rated by the Tax Efficient Review* to be among the most competitively priced in the market, and since then, IEP Apex has launched with complimentary insurance cover for the first two years, paid for by the Manager. When it comes to achieving the best outcome for investors with the fairest value, IEP Apex could be the solution for clients who are concerned they will be paying high fees.

Estate planning is only for the super-rich

Many clients might assume that IHT is only a problem for the super-wealthy and that they don’t have enough assets to make any estate planning necessary or worth it. It is important for them to understand the nil-rate band (NRB) – that is the threshold up to which no IHT is paid. The NRB is set at £325,000, with an additional potential of a residence NRB at £175,000 if a property is owned. There are some variations around these allowances for spouses, but put simply this means that upon death, IHT liabilities can kick in on an estate of just £500,000.

IHT receipts are rising steeply, with a 14%** increase between FY 2020 and 2021. This is partly due to the increase in property prices pulling more estates above the NRB and this is set to continue as the NRB is frozen until 2026, making Inheritance Tax a problem for the masses, not just the super-wealthy.

Additional benefits with IEP Apex:

If you haven’t considered IEP Apex for your client’s IHT requirements, now is the time to do so.


1 Ingenious survey 2022

2 Tax Efficient Review, June 2021

Age and health restrictions apply. Refer to brochure for limits.

To learn more about IEP Apex, and its additional care service, click below, and one of our team members will be in touch. 

Please note that the availability of Business Relief from Inheritance Tax and Investors’ relief for capital gains tax will be subject to the changes announced in the Autumn 2024 budget. Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment. Take 2 mins to learn more.

Do you receive third-party support for your research and due diligence?

With 66% of advisers believing their own research and due diligence processes will need to change in light of Consumer Duty1, now is the time to act.

The market for BR-qualifying services has traditionally been homogeneous, with planning success and good outcomes contingent upon investors surviving two years or having otherwise to pay for additional insurance cover (which could be as much as 13% of the capital invested). Does your third-party research and due diligence only focus on services like this?

Things have changed

Ingenious has launched a new Business Relief (BR)-qualifying service which provides peace of mind with IHT mitigation from day one of share allotment via insurance cover which is paid for by the Manager2. You no longer have to wait two years for BR qualification to become effective. Whilst your investors may not always feel they need IHT mitigation from day one, why take the risk? The financial consequences for their loved ones are significant. Better to be covered than not.

As a result, the risk of planning failure due to early death is now entirely avoidable, with no negative consequence. So firms will need to update their research and product panels to ensure this is considered as part of their suitability assessment.

Here are two considerations to be made when selecting BR solutions moving forwards;

  1. If the client is looking to fully mitigate the effects of IHT, will the solution achieve that in all cases?
  2. If a solution is contingent on the client surviving two years, how can you demonstrate that you have avoided foreseeable harm?


1 Ingenious survey 2022

2 Age and health restrictions apply. Refer to brochure for limits.

To learn more about IEP Apex, and its additional care service, click below, and one of our team members will be in touch. 

Please note that the availability of Business Relief from Inheritance Tax and Investors’ relief for capital gains tax will be subject to the changes announced in the Autumn 2024 budget. Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment. Take 2 mins to learn more.

New Ingenious research has revealed that mitigating the effects of IHT, capital preservation and control over assets were listed as first, second and third, respectively, as the most important factors when advising on estate planning1. Indeed, IFAs cited that having confidence that any IHT would be fully mitigated was the most appealing factor when selecting a BR service. This was followed by factors such as the level of investment risk, level of investment return and costs. 

A staggering 93% of advisers polled cited speed of IHT mitigation, as well as maintaining access to and control of client assets, as the primary motives for recommending BR-qualifying investments to their estate planning clients. The market for BR-qualifying services has traditionally been homogeneous with financial planning success contingent upon investors surviving two years unless an investor pays for additional insurance cover, which could be as much as 13% of the capital invested. Consumer Duty has brought about a renewed focus on good outcomes, however. As a result, IEP Apex is the only BR-qualifying service that fully mitigates the effects of IHT from day one of share allotment by incorporating complimentary IHT cover into the estate planning service as standard, paid for by the Manager instead of the investor.

Over half (55%) of IFAs believe the biggest challenge facing their business in the future is keeping up with regulatory changes such as Consumer Duty. The research also highlighted that in order to align with the new Consumer Duty rules, two in three (66%) IFAs believe their own research and due diligence processes will need to change to demonstrate how ‘good outcomes’ for retail clients will be achieved. When you couple that with the fact that three quarters (74%) of advisory firms surveyed use third party research firms to create BR panels of suitable investment managers1, this suggests that the way in which advisers work with third party research firms to create such panels also needs to change as part of a industry-wide reset to deliver good client outcomes.

1Research carried out online with 97 IFAs between 13th October – 27th October 2022

2Research carried out via online poll with 436 IFAs in June 2021

3Based on internal research

The new Consumer Duty rules are a catalyst for change and improvement across the whole investment industry. Regardless of your role in the industry, we all have an obligation to deliver good client outcomes. Our adviser survey clearly emphasises the need for estate planning solutions to evolve. We are proud to have worked closely with advisers to create a new service that meets their most pressing requirement, delivering BR effectiveness from day one and for no extra charge. We believe this to be an excellent client outcome.

Neil Forster

CEO at Ingenious

To learn more about IEP Apex, and its additional care service, click below, and one of our team members will be in touch. 

●      The Ingenious Group are a ‘One to Watch’ in the eighth annual Growth Investor Awards, organised by Intelligent Partnership

●      The Ingenious Group recognised for outstanding achievements this year in the prestigious Best New Product or Service category sponsored by Mainspring Fund Services

●      The gala dinner and awards ceremony was held last Thursday, 24 November at the London Hilton on Park Lane for 450 guests

●      TV and radio star Claudia Winkleman hosted the evening, with a keynote address delivered by Mark England, OBE (Team GB’s Chef de Mission for the Paris Olympics 2024)

The 2022 Growth Investor Awards took place last Thursday, 24 November, with a gala dinner and awards ceremony to recognise the best of the growth investing community. The businesses and individuals, who were recognised, received their awards at the London Hilton, Park Lane, in front of 450 guests from across the alternative investments industry.

This year’s awards were hosted once again by TV and radio star Claudia Winkleman, alongside Intelligent Partnership’s founder Guy Tolhurst.

This year was the eighth Growth Investor Awards (GIA) organised by Intelligent Partnership. For almost a decade, GIA has celebrated those businesses and individuals within the financial services and alternative investment industries, who support the UK’s high-growth SMEs and Startups.

The Ingenious Group was recognised by our judges for their outstanding contribution, as our ‘One to Watch’ in the prestigious Best New Product or Service category sponsored by Mainspring Fund Services.

Despite the challenging economic backdrop, the guidance, support, and returns they’ve delivered for their clients, and the businesses they work with, has been so impressive this year.

We are delighted that the judges of the best new product/service category bestowed this award on our flagship estate planning solution, IEP Apex. This is a particularly competitive category as it draws entries from across the whole market, not just from with the business relief sector.

When designing Apex, we set out to create a solution which delivers better outcomes, value and peace of mind for investors by focussing on what matters to them the most. We aimed to construct something which is class leading in terms of speed of IHT mitigation, cost, performance and utility. We did this because it is what investors want, what advisers want and what we could see would be required by the new consumer duty.

These are the points which we made in our entry and it is great to see that the judges not only made this the only BR-qualifying service to be shortlisted in this category, but to go further and specifically recognise it’s anticipated impact in the market, as ‘one to watch’.

Simon Harryman

Senior Business Development Director of Ingenious

It’s been a challenging year for everyone, that’s why it was amazing to see a room full of the growth investor community celebrating the essential contribution they make to the UK’s fast-growing SMEs and Start-ups.

The Ingenious Group, are right at the heart of this alternative investments community, so it was brilliant to see them commended in such a competitive category. The judges rightly recognised their outstanding contribution this year.

Guy Tolhurst

Founder of Intelligent Partnership

For further information, please visit growthinvestorawards.com

Please note that the availability of Business Relief from Inheritance Tax and Investors’ relief for capital gains tax will be subject to the changes announced in the Autumn 2024 budget. Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment. Take 2 mins to learn more.

With the new Consumer Duty rules focusing minds on outcomes, fair value, and avoiding foreseeable harm, we are seeing advisers seeking solutions aligned with these values and, in particular, IEP Apex and the unique benefits it offers investors.

So what is it that makes Apex so attractive?

  1. IHT IS FULLY MITIGATED FROM DAY ONE OF SHARE ALLOTMENT – IEP Apex includes complimentary IHT cover for the initial 2-year qualifying period paid for by the Manager. That means no additional cost to investors or impact on returns.

  2. ACCESS TO MARKET LEADING RETURNS – IEP Apex’s investment allocation gives investors access to Ingenious’ market-leading real estate secured lending strategy1. Third-party analysis conducted by Tax Efficient Review shows that investors over the latest five-year period have received an actual total return of £128,000 from £100,000 invested1.

  3. LOW COSTS – IEP Apex offers a comprehensive solution at what we believe to be some of the lowest fees in the market. Considering its unique utility, it’s arguably a great example of fair value. 

  4. MARKET LEADING COST/RETURN RATIO – investors see over 70% of the returns, with less than 30% being lost to costs. In other services, nearly 90% is lost to costs, and up to 100% when additional insurance charges are made1

  5. COMPLIMENTARY ACCESS TO IEP CARE SERVICE – Like all IEP services, IEP Apex provides complimentary access to a professional care advice service, Grace Consulting, providing 24/7 access to professional advice for any of your client’s care needs. Targeting better care and a cheaper price for investors and their families.

Advisers have told us that mitigating the effects of IHT is their top-ranked factor when advising on estate planning2, and that speed of IHT mitigation is the primary motive for recommending BR-qualifying investments3. So, new services that remove the risk of planning failure in the first two years are a game-changer, especially when it is achieved without additional costs to investors.

That’s why we’re seeing advisors turning away from high cost, low value business relief services in favour of services that mitigate IHT risk from day one of share allotment.

If Consumer duty and delivering good outcomes for customers is a priority for your and our firm, isn’t it time you turned to Apex?

1Tax Efficient Review, June 2021

2 Ingenious survey 2022

3 PFS/Ingenious 6 Golden Rules webinar live poll 2021

To learn more about IEP Apex, and its additional care service, click below, and one of our team members will be in touch. 

Please note that the availability of Business Relief from Inheritance Tax and Investors’ relief for capital gains tax will be subject to the changes announced in the Autumn 2024 budget. Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment. Take 2 mins to learn more.

With the first FCA Consumer Duty deadline in October, there has never been a better time to ensure you’re matching the right products to your clients’ needs.

When it comes to business relief and ensuring complete IHT mitigation, IEP Apex is a Business Relief (BR)-qualifying service that includes complimentary IHT cover for the initial 2-year qualifying period paid for by the Manager. That means no additional cost to investors, or impact on returns, as well as removing risks associated with IHT qualifying periods.

How IEP Apex aligns with the new Consumer Duty

The new Consumer Duty requires firms to ‘act to deliver good outcomes for retail customers’. IEP Apex is designed to align with the Consumer Duty requirements by:

Delivering good outcomes

By removing risks associated with IHT qualifying periods.

Avoiding foreseeable harm

The risk of IHT planning failing as a consequence of early death is now avoidable, without an impact on returns from fee-based life insurance add-ons.

Demonstrating outcomes

Effective estate planning relies on mitigating the effects of IHT. IEP Apex enables advisers to demonstrate how this can be achieved.

Price and value

IEP Apex offer a comprehensive solution at what we believe to be some of the lowest fees in the market. Considering its unique utility, it’s arguably a great example of fair value.

To learn more about IEP Apex, and its additional care service, click below, and one of our team members will be in touch. 

Ingenious Media is proud to announce that 4 British films produced by investee companies managed by Ingenious have received British Independent Film Award nominations.

Emily

Best Lead Performance: Emma Mackey

Best Supporting Performance: Fionn Whitehead

Best Ensemble Performance: Ensemble including Amelia Gething, Emma Mackey, Oliver Jackson-Cohen, Fionn Whitehead, Alexandra Dowling, Gemma Jones, Adrian Dunbar

The Douglas Hickox Award (Best Debut Director) sponsored by BBC Film: Frances O’Connor

The Lost King

Best Lead Performance: Sally Hawkins

Elizabeth: A Portrait in Parts

Best Editing: Joanna Crickmay 

The Phantom of the Open

Best Music Supervision: Phil Canning   



Well done to all nominees.

Trailer
Emily
The Lost King

Trailer
Elizabeth: A Portrait in Part(s)
The Phantom of the Open

Please note that the availability of Business Relief from Inheritance Tax and Investors’ relief for capital gains tax will be subject to the changes announced in the Autumn 2024 budget. Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment. Take 2 mins to learn more.

Did you know the market for Inheritance Tax “IHT” planning solutions has changed? 

New Business Relief (BR)-qualifying services are more effective at mitigating the effects of IHT. This means firms need to update their research and product panels to avoid taking risks that are now avoidable.

As you likely know, the market for BR-qualifying services has traditionally been homogeneous, with planning success contingent upon investors surviving two years or paying for additional insurance cover, which could be as much as 13% of the capital invested. That was then, but now things have changed with the launch of IEP Apex. This new BR-qualifying service fully mitigates the effects of IHT by incorporating complimentary IHT cover for the initial 2-year qualifying period, paid for by the Manager.

Does your research and due diligence focus on what matters the most?

In light of the new Consumer Duty rules and the renewed focus on good outcomes, research and due diligence should also focus on outcomes first. Here are three considerations to be made when selecting BR solutions moving forwards;

If the client is looking to fully mitigate the effects of IHT, will the solution achieve that in all cases?

If a solution is contingent on the client surviving two years, how can you demonstrate that you have avoided foreseeable harm?

Would you be able to demonstrate that the third-party review service you use have considered all of market, as currently not all of them do?