Financial Planning, Investment Management, Tax and Legal Advice and Wealth Management are all services you would expect from an accomplished Independent Financial Adviser firm, so it would be spurious for us to bang on about those on this site. However, Key Benefits also provides its Clients with a number of specialist innovative (and, in many cases, unique) facilities as an integral part of its Service, and we felt some of these are worthy of mention.
The KB Income Control Account is a superior alternative to any Life Company Investment Bond; is a highly effective investment for higher rate taxpayers, and is unrivalled as an investment vehicle for most Trusts and Limited Companies.
The KB Real Return Account delivers tax efficient returns in excess of inflation, or Accounts will be credited with tax rebates on any shortfall. Our Real ISA is designed to match inflation over the medium to long term, with the possibility of exceeding it.
The KB Lifetime Flexible Family Trust is designed to offer inheritance tax savings (potentially twice over) on the value of family pension funds, life assurance and employer company death in service benefits on the second death of spouses.
The KB Loan Trust both freezes inheritance tax liabilities at outset and then reduces the tax otherwise payable on the Trust assets over time, while allowing Clients continuing access to their capital.
The KB Discounted Gift Trust gives immediate inheritance tax reductions and completes the job on survival for seven years, while allowing its creators an income for life from their “gift”.
Most of our Trusts (including our Discretionary Trusts) harness the KB Income Control Account (see above) to render them uniquely effective. We also create non trust-based solutions to order that are exempt from inheritance tax after just two years, with Scheme assets remaining under the Client’s ownership and control.
The above are just a few examples of the facilities our Clients have available to them as all-inclusive features of our Service. Disclosure of details will be assessed on a case by case basis.