Protect everything you've worked for.
OUR STORY
Trusted Financial Guidance Since 1999
iQ was established in 1999, with the proprietor now boasting over 42 years of invaluable Financial Services experience.
In 2013 we made a conscious decision to specialise in the niche area of sheltering assets via Trust Planning. This focus allowed us to develop unparalleled expertise and to provide outstanding guidance to our clients.
Our commitment is to offer impartial, factually-accurate, and up-to-date information, both to our valued existing clients, and new customers. Importantly, we do not "sell". We provide verbal consultation and detailed bespoke written explanation, with a view to helping you make your own fully-informed decisions.
SERVICES
Financial Guidance
Asset Protection
You work hard for your money while paying a lot of tax along the way. We offer guidance on financial structures which securely protect your assets and also control your taxation liabilities. Traditional Estate Planning is also available.
Trust Shelter
Using bespoke Trusts which you fully control, we are able to protect your wealth, and particularly your investments and fixed assets from all external threat. (including ; litigation, creditors, divorce, bankruptcy, CGT and IHT)
Will Writing
A vital and yet neglected part of financial planning, which too many people ignore or delay. We offer the creation of brand new Wills and also a review service for existing arrangements, to ensure maximum protection from IHT and Care Home fees.
Why choose iQ ?
Our Clients are our No.1 Priority
Expert Guidance
There is simply no substitute for experience, and this is something you cannot study or train for. As a result of many years working with a wide variety
of very different clients, we are now in-demand UK-wide for the provision and delivery of educational presentations to Business and Property Networks.
Customised Solutions
Every individual or business client has a unique set of circumstances and objectives. This requires bespoke guidance and specifically-tailored financial solutions. We design these to secure and protect what has been achieved to-date, and to accelerate the future progress towards medium and long-term goals.
Peace of Mind
From your initial contact through to becoming an iQ client, you will receive time dedicated to providing you with individual support and guidance. We constantly keep up-to-date with all relevant industry developments and changes, leaving you free to concentrate on your own business or personal priorities.
iQ Business Structure
Established Partners
Legal Experts
Trust Lawyers
Trust Planning and establishment is a highly-specialised area, and requires high-level work from a team of London-based Lawyers and offshore Trustees.
iQ conduct preliminary discussions and client meetings in order to guide, advise, and to calculate individual accurate cost vs benefit analyses. We then become the conduit between client and the Legal experts, and provide the Trust and associated control documentation.
Paul Elliott
Wealth Planning Consultant
Paul has 43 years financial services experience, covering many sectors. Nationwide Building Society - 1982-1987 ; Scottish Widows - 1987 - 1991 ;
The Royal Bank of Scotland - 1991 - 1999 ;
He established iQ in 1999 and began specialising in Trust & Estate Planning
in 2013. He offers a very calm and considered approach to financial planning, and only ceases to be calm when Leeds United are playing.
Estate Planners
Wills & UK Trusts
In order to maximise the benefits of bespoke Trust shelters, we also offer Will writing and UK Estate Planning. This ensures that upon death your assets are smoothly and tax-efficiently passed down to the next generation. It can be vital in protecting from Care Home fee assessment, and fully protects any and all accumulated wealth for your family.
It can also stipulate Legal Guardians for any younger children under age 18.
PROPERTY INVESTORS
Educational Presentations
Trust Planning provides exceptional benefits for property investors.
We deliver educational presentations on a regular basis at various
Property Investor Network meetings, all over the UK.
Unique challenges
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As a Property Investor, you will be well-aware that your business faces a constantly increasing raft of issues. A bespoke Trust won't cure all of these, but it can make many things very much more secure and increase your security and profitability. We are in a position to show you how to shelter your portfolio from many external threats, including ;
* Creditors * Litigation * Bankruptcy
* Divorce * (plus) Tax Benefits.
Presentation Venues
We have been delighted to be invited to present at locations all over the UK ; including :-
* London (multiple times)
* Edinburgh
* Newcastle (PIN)
* Harrogate (PIN)
* Hull (PIN / P&P)
* Humberside (PPN)
* Manchester
* Solihull
* Peterborough
* Chelmsford
* Leeds (P&P)
Presentation Content
* Trust history and legal basis
* The secret of the Wealthy
* Traditional Trust structure
* How you can control your Trust
* How you manage your assets
* How to mitigate Clause 24
* How to protect Capital Growth
* Trusts & HMRC
* Ownership vs Control
* Personal Management Company
* The practical day-to-day use
* Estate Planning & Inheritance
Will Writing and Estate Planning
Professional later-life Planning
"Getting round to writing a Will" is a phrase we hear too often, and sometimes this can be left too late once a death has occurred.
We offer a very personal service for Will and Estate Planning, and certainly not a "bargain-basement" off-the-shelf document. Time is taken to listen to your answers to our questions so that we fully understand the ideal outcome you would wish for. It's not only about distribution of assets. Equally important is the appointment of legal Guardians for younger children, especially if there has been a separation of parents. We also create legal shelters to protect the family home from Care Home fees in the event of one or both parents needing expensive later life care.
Client Price List.
Wills
Single Will: £150
Mirror Wills (for couples): £250
Complex Will: £350
Lasting Powers of Attorney (LPAs)
Property and Financial Affairs LPA: £150
Health and Welfare LPA: £150
Both LPAs (discounted package): £250
Trusts
Lifetime Trust: £500
Discretionary Trust: £500
Property Trust: £500 (protection against Care Home fees)
Severance of Tenancy
Severance of Tenancy: £100
Fully Controllable Offshore Trusts managed via your Personal Management Company
£6,000 plus £400pa Trustee Fees (minimum establishment cost)
Bespoke quotation for net assets in excess of £385,000
Discounts available for assets in excess of £1 million
Legally removes IHT and CGT under an Umbrella Asset Trust
Suitable for larger Estates, Property Investors and Farmers
GET IN TOUCH