St Joseph’s is a small bespoke Legal Consultancy; we offer a tailored advice service to our clients. We provide a service designed to build a shared understanding of your wealth objectives and we translate these ambitions into actions. Successful individuals recognise the importance of good advice. This has never been more evident than in today’s complex financial world. With more than 20 years of experience, St Joseph’s understands the dedication and experience required to provide exceptional advice to our clients. Carefully informed insight and structure lie at the heart of our approach to providing asset/wealth advice. We are able to build a financial framework, which extends across all areas of wealth management; this is the foundation on which a client’s wealth plan is developed. The St Joseph’s experience is not just one of unsurpassed service, but is comprehensive in its commitment to providing exceptional advice.

Providing for the future with trusts

In our experience many individuals do not consider establishing a trust as part of their tax planning even though it can be an extremely effective tool. This tends to be for one of two reasons: some individuals feel that settling a trust will be too complex when in reality it can be a relatively straightforward process. Alternatively, many have heard that trusts are only appropriate for passing on extreme wealth but in fact many individuals establish trusts at sums at or below the Inheritance Tax (IHT) threshold (currently £325,000). There are many reasons why a trust may be suitable including, for tax-planning purposes, to protect assets, to provide privacy or to ensure the smooth transition of assets to beneficiaries on death and avoid lengthy probate proceedings. Whatever the reason, our trust experts can advise whether a trust is appropriate to meet these objectives and then work closely with your relationship manager to ensure that you achieve your aims. Some typical situations where a trust may be appropriate include:

Helping the next generation

Trusts are a useful tool in passing wealth on to the next generation. Parents could set aside sums up to their combined nil rate bands to provide a nest egg for their children which could be used, for example, to assist in the purchase of their first property. By transferring this sum into a trust, the parents will start the ‘seven year clock’ for IHT purposes. Likewise, grandparents may want to provide for their grandchildren’s education by establishing a trust which could release funds to meet these future costs. Such trusts can provide directly for grandchildren whilst starting the ‘seven year clock’. They also ensure that assets are passed to grandchildren without becoming chargeable to IHT in their children’s estate first.

Protecting young and vulnerable beneficiaries

A trust can be used to ring-fence sums for individuals who may not be in a position to receive the assets outright perhaps

because of their age or personal situation.

Flexibility

Trusts can also be used in some insurance based arrangements to provide IHT benefits and flexibility for individuals who wish to

settle money on trust but retain some access to part of the funds.

Services we provide:

• Property Advice • Probate • Wills & Will–Trusts

Advantage of using St Josephs

We are a forward thinking business, with old fashioned values. Values such as, respect, loyalty, honesty and a very strong work

ethic. We are happy to visit our clients in the comfort of their own home and we regularly go the extra mile for all of our clients.

We make it very easy for our clients to do business with us, and all of our clients know that we have their best interests at heart.

Wills and Inheritance

The estate planning team offers bespoke advice on succession and inheritance tax issues. Preparing a suitable and tax efficient

will is often the first step in an overall estate planning review. Wills are important not only to ensure that your assets will be

passed on to your intended beneficiaries, but also for using opportunities to mitigate inheritance tax and provide, where

appropriate, protection for young and vulnerable beneficiaries.

St Joseph’s have been dealing with estates, and the issues that arise in relation to them, for over 20 years. We are able to act as an

executor of your will, bringing professional expertise to the administration of your estate and, with a detailed understanding of

your personal circumstances helping to protect assets for future generations.

In addition to will planning, we will also advise you in connection with the structure of your estate including discussing the issues

arising from jointly held assets, as well as providing you with an overall understanding of relevant inheritance tax planning

options ranging from outright gifts to setting up trusts. In all cases, our estate planning team will provide a service tailored to

satisfy your particular needs.

Retirement planning services

There are three main phases in planning for retirement. At St Joseph’s we will work with you through all phases of your

retirement. We can help you plan and review your arrangements whenever your circumstances change, to ensure that you

achieve the comfortable retirement that which you deserve.

1. Pre-retirement: ensuring you have sufficient funds for a comfortable retirement in the most tax efficient way. This also

involves making your assets grow effectively and this could be by looking at where it is invested, especially if you hold

older, smaller pension arrangements.

2. At retirement planning: reviewing the options available to you and help you to plan the most appropriate and tax effective

solutions to meet your objectives.

3. Post retirement planning: helping you to plan whether to delay taking pension benefits and optimising the phasing of the

benefits to meet your specific income requirements.

St Joseph’s, help our clients address their wealth concerns in a friendly and professional manner. We are focused on providing

meaningful value to our clients and delivering results that reduce costs and manage risks. More specifically we provide old

fashioned hands on services which our clients appreciate. We are happy to visit all of our clients in the comfort of their own

homes.

St Joseph’s is uniquely positioned to provide differentiated services to our clients based on our strong heritage, breadth of

experience, scale, depth, the vast extent of our network, and our industry alliances.

We work in partnership with several highly experienced and regulated Financial Advisers, so we are small enough to care and big

enough to cope.

For more information about our services please do not hesitate to contact a member of our team, we look forward to helping you

in the very near future.

St Joseph’s Property Solutions

Asset Trusts | Advice Service | Property Advice

Services

Providing for the future with trusts

Helping the next generation

Protecting young and vulnerable

beneficiaries

A trust can be used to ring-fence sums for individuals who

may not be in a position to receive the assets outright

perhaps because of their age or personal situation.

Flexibility

Trusts can also be used in some insurance based

arrangements to provide IHT benefits and flexibility for

individuals who wish to settle money on trust but retain

some access to part of the funds.

Services we provide:

• Property Advice • Probate • Wills & Will–Trusts

Advantage of using St Josephs

We are a forward thinking business, with old fashioned

values. Values such as, respect, loyalty, honesty and a very

strong work ethic. We are happy to visit our clients in the

comfort of their own home and we regularly go the extra

mile for all of our clients. We make it very easy for our clients

to do business with us, and all of our clients know that we

have their best interests at heart.

Wills and Inheritance

The estate planning team offers bespoke advice on

succession and inheritance tax issues. Preparing a suitable

and tax efficient will is often the first step in an overall estate

planning review. Wills are important not only to ensure that

your assets will be passed on to your intended beneficiaries,

but also for using opportunities to mitigate inheritance tax

and provide, where appropriate, protection for young and

vulnerable beneficiaries.

St Joseph’s have been dealing with estates, and the issues

that arise in relation to them, for over 20 years. We are able

to act as an executor of your will, bringing professional

expertise to the administration of your estate and, with a

detailed understanding of your personal circumstances

helping to protect assets for future generations.

In addition to will planning, we will also advise you in

connection with the structure of your estate including

discussing the issues arising from jointly held assets, as well

as providing you with an overall understanding of relevant

inheritance tax planning options ranging from outright gifts

to setting up trusts. In all cases, our estate planning team

will provide a service tailored to satisfy your particular

needs.

Retirement planning services

There are three main phases in planning for retirement. At

St Joseph’s we will work with you through all phases of your

retirement. We can help you plan and review your

arrangements whenever your circumstances change, to

ensure that you achieve the comfortable retirement that

which you deserve.

1. Pre-retirement: ensuring you have sufficient funds

for a comfortable retirement in the most tax efficient

way. This also involves making your assets grow

effectively and this could be by looking at where it is

invested, especially if you hold older, smaller pension

arrangements.

2. At retirement planning: reviewing the options

available to you and help you to plan the most

appropriate and tax effective solutions to meet your

objectives.

3. Post retirement planning: helping you to plan

whether to delay taking pension benefits and

optimising the phasing of the benefits to meet your

specific income requirements.

St Joseph’s, help our clients address their wealth concerns in

a friendly and professional manner. We are focused on

providing meaningful value to our clients and delivering

results that reduce costs and manage risks. More specifically

we provide old fashioned hands on services which our

clients appreciate. We are happy to visit all of our clients in

the comfort of their own homes.

St Joseph’s is uniquely positioned to provide differentiated

services to our clients based on our strong heritage, breadth

of experience, scale, depth, the vast extent of our network,

and our industry alliances.

We work in partnership with several highly experienced and

regulated Financial Advisers, so we are small enough to care

and big enough to cope.

For more information about our services please do not

hesitate to contact a member of our team, we look forward to

helping you in the very near future.

Asset Trusts | Advice Service | Property Advice

St Joseph’s Property Solutions

Property Solutions

Services