Generational Planning

In many cases we provide financial advice and investment management to several generations of the same family. As part of this we have worked with clients to help them pass funds to the next generation as efficiently as possible whilst ensuring that they maintain control over their standard of living.

We provide advice on trusts, Inheritance Tax (IHT) and life assurance to help with passing the family wealth down the generations. This includes working with your solicitor to ensure your wills achieve what you are looking for and lasting powers of attorney covering health and financial affairs are in place to give you peace of mind.

We help individuals, trusts and charities achieve their financial goals and objectives, through a combination of excellent client service, technical expertise and a strong investment process.

Our Ethos
We ensure capital and income are available at the right time

Trust planning using a bespoke trust or an insurance based trust deed can be a tax efficient way of ensuring funds are placed in the right hands. We work with families using Discretionary Trusts created in their lifetime or via wills to ensure capital and income are available at the right time.

Experience efficient growth whilst providing an element of control over the underlying assets

We are also experienced in using insurance based products such as Loan Trusts and Discounted Gift Trusts, which can provide tax efficient income streams and IHT efficient growth whilst providing an element of control over the underlying assets.

Another option is to use Life Assurance plans (written in trust) to ensure families have funds outside of their estates which are available before probate is granted, to cover costs or simply to pass a lump sum to the wider family.

Finally, we help with planning for gifts made in your lifetime; for example using the range of IHT exemptions for gifts such as on marriage or out of normal expenditure and the use of Potentially Exempt Transfers (PETs).

I want to thank you again for all your hard work. It was such a relief knowing that you were taking care of everything and I've been ever so pleased since you have managed the funds

Mrs D, Scotland

Once again many thanks for all you do for me; it’s all much appreciated

Mrs M Derbyshire

Thank you for all your help, support and wisdom

Manchester based charity

I just wanted to thank you for all your efforts, and compassion over these last few years, as my mother’s dementia progressed and following her death. It has been very much appreciated

Mrs W, Somerset

Torevell & Partners have cared for my holdings for more than 25 years with my total approval and satisfaction

Mrs O

The letter is spot on, very helpful, and as usual your service very prompt

Mr H, Yorkshire

Giving you a clear understanding of the investment strategy being implemented

We are immensely proud that the majority of our clients have been referred to us by existing clients or professional partners. We have demonstrated success time after time, leading to a number of advisers who are working with the great-grandchildren of our original clients.

Torevell & Partners offers a wide range of financial advice. All of our advice is explained in writing as we believe that it is important for our clients to understand our advice and the investments we recommend to them. Our written recommendations include details of any costs or charges that apply, including our agreed remuneration.

How we have helped a client and their family through estate planning

Let’s build your future, together

If you have any financial planning needs you would like to discuss with our expert team, please do contact us today.

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