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IHT Portfolio Service

One of the most important aspects of estate planning is to make sure your clients' families, friends and favourite causes inherit as much of their wealth as possible.

Our IHT portfolio is a simple and efficient strategy for reducing IHT while offering growth potential to boost potential legacies.

It invests in a diversified portfolio of established companies with favourable track records selected from the Alternative Investment Market (AIM). Under current rules, shares in some companies that trade on AIM are treated as 'business property' and eligible for Business Relief (BR), formerly Business Property Relief. Once a client has held shares in one of these companies for two years, the shares are no longer counted as part of their estate for IHT purposes. This compares favourably with the seven-year rule that applies to most gifts. The client maintains full control and can access their funds at any time should their circumstances change.

This is an actively managed portfolio service, so if we decide any of the underlying investments are no longer suitable, or if they stop being eligible for BR, we can sell them and reinvest in another qualifying company without having to restart the two-year period.

  

How can we help?

If you would like to find out how we can help your clients reduce liability for inheritance tax, get in touch. We will be delighted to give you more details.

Get in touch

Why recommend our IHT Portfolio Service to your clients?

  • Our team has established a strong track record for delivering superior investment returns
  • We actively manage the portfolio to ensure the investments we've chosen are always suitable and working hard for your clients
  • Investing in AIM lets your clients take advantage of a dynamic market of growing businesses
  • They can include their IHT portfolios in their annual ISA allowances
  • We'll keep you and your clients regularly updated with contract notes and quarterly formal valuations.

Help your clients plan their future

If you would like to know how we can help your clients with their investment management needs, get in touch. We will be delighted to provide more details of our services.

Get in touch

This service should be regarded as high risk as it is exclusively focused on equities. The portfolios are wholly invested in small capitalisation stocks. These companies are therefore more volatile and whilst they offer great potential, growth is not guaranteed. It is important to note that this should be seen as a long-term investment. The current inheritance tax rules and tax treatment of AIM shares may change in the future. We strongly recommend that clients discuss their financial arrangements with their tax adviser before investing, as the value of any tax reliefs available is subject to individual circumstances.

Investment involves risk. The value of investments and the income from them can go down as well as up and you may not get back the amount originally invested. Past performance is not a reliable indicator of future performance.

Our portfolios are designed to work over a typical investment cycle of 7-10 years, so we recommend you stay invested for at least seven years.

The information provided is not to be treated as specific advice. It has no regard for the specific investment objectives, financial situation or needs of any specific person or entity.

How can we help?

If you'd like to find out how we can help your clients reduce liability for inheritance tax, get in touch. We'll be delighted to give you more details.

Photo of Mike Ferrington

Mike Ferrington

Senior Wealth Adviser

Beginning his advisory career in 2005, Mike joined Canaccord in 2011 and specialises in providing strategic financial planning services and tax-driven investment planning to high net worth private clients. Mike is a Chartered Fellow of the CISI and a Chartered Financial Planner.


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Jon Gould

Investment Director

Jon graduated from Loughborough University in 2008 with a BSc (Hons) in Mathematics, Accounting and Financial Management and joined AXA Framlington’s UK equity team as a Junior Private Client Portfolio Manager shortly after. Jon joined Canaccord Genuity Wealth Management as part of the acquisition of Punter Southall Wealth, where he led the AIM IHT Portfolio Service and broader UK equity offering since 2013. He is a CFA charterholder and has a Diploma in Professional Studies, and holds the Investment Management Certificate. He is also a Chartered Member of the CISI and in 2015 was named in Citywire’s Top 30 under 30 Wealth Managers.


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Photo of David Goodfellow

David Goodfellow

Head of UK Financial Planning

David specialises in financial planning and tax driven investment planning. He has over 15 years' experience in advising on and investing in VCTs, EISs and tax driven property structures. He is part of the CGWM Advice and Solutions Committee and a member of the Personal Finance Society and The Chartered Insurance Institute.


Investment involves risk and you may not get back what you invest. It’s not suitable for everyone.

Investment involves risk and is not suitable for everyone.