AFH Trusts & Estate Planning

The must-have conversations

Helping you discuss your future plans

Sometimes when it comes to family, the most important conversations are often the ones had the least, such as what will happen when you’re no longer here or fall ill. However, when you've worked hard to accumulate your wealth, it's important to have peace of mind that it's going to the right people.

AFH Trusts & Estate Planning

Planning for the future to ensure your wealth is protected for your loved ones is an important step. By doing so, you can be safe in the knowledge that your wishes will be carried out if ever you're unable to manage your affairs, providing increased protection for your family’s future inheritance.

All of our advisers are licensed estate planners. They can ensure your financial planning journey includes future generations and other loved ones.

With AFH Trusts & Estate Planning, you’ll have peace of mind that your wealth will be passed on to your beneficiaries as smoothly and efficiently as possible.

Lasting Power of Attorney

A Lasting Power of Attorney (LPA) allows you to appoint someone you trust to make decisions about your wealth, your health, or both, when you’re no longer able to. Having an LPA means that you nominate an individual (or individuals) to act as your “attorney”, which enables them to operate your bank account, pay your bills or make financial decisions about any of your assets, including investments or property matters, on your behalf. The LPA can be effective immediately or deferred to suit your needs. Taking the time to think about putting an LPA in place early provides reassurance to you and your family for the future. This is because they ensure your wealth and affairs can be managed if you have an accident or if you're seriously ill and no longer able to make decisions for yourself.
Simple standalone wills

AFH is uniquely placed as all of our advisers are licensed estate planners. We can help you create a will, which means your estate will be passed on to beneficiaries as smoothly as possible. As your financial adviser, we’ll have a deep understanding of your wealth and a long-standing relationship with you. This means we can create a will that reduces your exposure to Inheritance Tax, which could allow you to leave more of your money to loved ones.

Asset Preservation Trust for Death in Service and Pensions

An Asset Preservation Trust (APT) is a robust legal framework that helps to protect the pension fund or Death in Service (DIS) payment you leave to your loved ones. Once created, your pension will be placed into the trust when you pass, meaning it does not go directly to the person you’ve nominated to receive it. Instead, your pension sits outside of their estate, which could help to protect it against Inheritance Tax and future relationship breakdowns.
Single Person Beneficiary Protection Plan

This trust helps you 'direct and protect' your assets, so that your estate is passed on as efficiently as possible – something that could reduce anxiety for loved ones at a difficult time. It also helps minimise your estate’s exposure to Inheritance Tax, while safeguarding your wealth for long-term care needs. The trust also helps to ensure your wealth goes to your children or grandchildren if certain life events happen that could redirect it to someone else.

News and insights

Take a look at our useful, easy-to-read blogs for more information.

Why you need to give your pension a health check if you’re aiming to live longer

Extending your lifespan by six years could mean that you need to increase the value of your retirement fund to ensure that you can maintain your lifestyle for the additional period. Not doing so could mean you have to reduce your standard of living, or even worse may result in your retirement fund running dry.
LPA Series: How can I get a Lasting Power of Attorney?

Once you understand what a Lasting Power of Attorney is, and how it can help you in the future, you can begin putting an LPA in place, but where do you start?
Five myths about inheritance

Many people believe that rules around who inherits what are simple, but unless you’ve made a will you may be surprised at who is entitled to your assets after you’ve gone. Here are five of the biggest myths about who is entitled to your money if you die without a will.
Your children’s future: Here’s how you can get started with planning

With the cost-of-living crisis firmly sitting on the shoulders of families across the country, fears for the future may begin to creep in. Like most things in life, taking the time out now to prepare and plan will be rewarding in the long run.