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When a client’s unused pension pot moves inside their taxable estate, it doesn’t just trigger an IHT conversation- it opens up a much broader picture.
Wills that were perfectly structured previously may now be working against your clients’ wishes. Families without lasting powers of attorney are exposed in ways they haven’t considered. And clients who plan to draw down their pensions faster to manage their IHT position need someone to ask the question many don’t want to be asked – what about care?
Whether you want to develop a full estate planning proposition or simply refer clients for specialist support on areas such as will writing, Lasting power of Attorney, Probate and estate administration, trust planning and more BTWC can help.
My Care Hub is here to support your clients through their full care journey, with clear, layered, guidance, while at the same time supporting you with your approach to Vulnerability and Consumer Duty.
Many clients have accumulated substantial pension assets over their lifetime and have deliberately preserved these funds as part of their wider succession planning strategy.
The proposed changes may result in:
Clients who have not reviewed their estate planning arrangements for several years may now find that their existing plans no longer achieve their intended objectives.
Beneficial Trust & Will Company (BTWC) is an award-winning estate planning specialist that has been supporting financial advisers and professional intermediaries since 1999. Established by experienced financial services professionals, BTWC was created to help advisers confidently deliver high-quality estate planning solutions to their clients whilst creating additional value and revenue opportunities within their businesses.
Our approach is designed to remove complexity by providing:
BTWC works alongside advisers to help clients navigate an increasingly complex estate planning landscape.
Our team can support advisers by:
As estate planning becomes an increasingly important component of financial advice, BTWC provides advisers with the specialist expertise and practical support needed to help clients adapt to legislative change and protect family wealth for future generations.
Periods of legislative change often create the most valuable client engagement opportunities. The proposed pension IHT reforms provide advisers with a compelling reason to revisit existing client arrangements, strengthen relationships and demonstrate the value of ongoing advice.
By partnering with BTWC, advisers can ensure those conversations lead to practical, effective solutions that help clients achieve their long-term objectives while protecting the wealth they have worked hard to build.
BTWC offers several routes for advisers to work with us:
1
Advisers can identify estate planning opportunities and refer clients directly to BTWC. Our team manages the client journey whilst keeping the adviser informed throughout the process.
2
For advisers wishing to integrate estate planning into their advice proposition, BTWC provides technical support, training, document drafting and ongoing assistance, allowing advisers to retain ownership of the client relationship.
3
Advisers can establish or expand a dedicated estate planning proposition with access to BTWC’s systems, support infrastructure, training and expertise.
4
Through our Associate Academy and ongoing educational programmes, advisers can improve their estate planning knowledge, identify planning opportunities and increase client engagement.
A professionally drafted Will remains the foundation of effective estate planning. BTWC provides bespoke Will drafting services ranging from straightforward family Wills through to more complex arrangements involving trusts, business assets, blended families and vulnerable beneficiaries.
Key benefits include:
LPAs enable trusted individuals to make decisions on behalf of a client should they lose mental capacity.
Key benefits include:
Trusts can play a crucial role in protecting family wealth and ensuring assets are distributed in accordance with a client’s objectives.
Trust solutions may be appropriate for:
Properly structured trusts can provide flexibility, control, protection and tax efficiencies where suitable.
BTWC supports families through the often complex process of administering an estate following death.
Services include:
This service provides valuable support to families at a difficult time whilst ensuring estates are administered efficiently.
Document Safe Custody
Secure storage of Wills and important estate planning documents helps ensure critical documents can be located quickly when required and protects against loss, damage or accidental destruction.
Beyond client services, BTWC provides advisers with the infrastructure needed to build a successful estate planning proposition.
Support includes:
A Trusted Partner for Advisers
At BTWC, we believe estate planning should be a natural extension of holistic financial advice. Our role is to provide advisers with the expertise, support and infrastructure needed to deliver exceptional outcomes for clients whilst creating additional value and growth opportunities for their businesses.
For advisers seeking a trusted estate planning partner, BTWC offers over 25 years of experience, award-winning expertise and a proven track record of supporting financial professionals across the UK.
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