International Women’s Day is a global day celebrating the social, economic, cultural, and political achievements of women. The day also marks a call to action for accelerating women’s equality.

IWD has occurred for well over a century, with the first IWD gathering in 1911 supported by over a million people. Today, IWD belongs to all groups collectively everywhere.

Research your desired career path and understand the relevant qualifications. If you lack formal qualifications, consider alternatives like training contracts or apprenticeships, which can sometimes be financially supported by employers. Networking is crucial – join finance groups, attend events, and seek out mentors. There are many female-only finance events to help you connect! Self-advocacy is key.

Alanis

Technical Analyst

Build your connections and don’t let exams deter you. There’s a common belief that exams are the only pathway into the sector, but there are many routes that don’t require formal qualifications. Many women in the industry are eager to help others by sharing their knowledge through on-the-job learning.

Emily

Associate Business Development Manager

Seek out mentors, learn as much as you can, strive to be your best, and then pay it forward to the next generation of women.

Natasha

Head of HR

Women supporting one another is vital, especially in ensuring that everyone’s voices are heard and encouraging one another to pursue promotions or new roles. I admire the amazing female role models around me who exemplify a successful work-life balance as mothers. I know that when I become a mother, I will have a network of incredible women to help me navigate my career while being a present parent.

Alanis

Technical Assistant

As a Finance Analyst, my day-to-day work involves looking after the accounting and financial reporting for our IEP funds. I collaborate with various stakeholders in the business to get the most up to date information and then use this to prepare the accounts, monitor and report the performance of our investments, and analyse the key performance indicators that ultimately help management in deciding on future strategy.

Emily

Associate Business Development Manager

Supporting each other fosters individual growth and enhances an organization’s culture. It builds confidence, encourages collaboration, and reinforces community, which is essential for a healthy workplace.

Natasha

Head of HR

“Say yes before you’re ready.” Many women in finance experience imposter syndrome and may question their readiness for promotions or new opportunities. When I face a challenge that feels beyond my current capabilities, I remind myself to embrace it anyway—growth comes from stepping outside our comfort zones.

Alanis

Technical Assistant

Focus on the ‘why’ rather than the ‘what.’ Understanding the purpose behind my work has brought me more joy and motivation. This perspective encourages me to embrace challenges outside of my comfort zone.

Emily

Associate Business Development Manager

Be honest and be yourself. Don’t be afraid to show your vulnerabilities; that shows strength. Have the confidence to strive for more.

Natasha

Head of HR

Time management is crucial, especially as I study for my ACA exams while working. I make it a point to log off by 6 PM, fit in lunchtime walks, and reserve my weekends for revision or socialising rather than work.

Alanis

Technical Assistant

My manager has been instrumental in this aspect. Establishing strong connections makes it easier to advocate for flexible working arrangements. When your boss understands your personal life, they become more invested in your well-being and productivity.

Emily

Associate Business Development Manager

I’ve always felt supported in growing professionally while ensuring I carve out the time needed to recharge. Sometimes, the scales can be tipped one way, but it’s important to always find the equilibrium.

Natasha

Head of HR

As we move toward 2025, the UK real estate market is navigating a complex and ever-evolving landscape. Investors must weigh evolving factors such as political uncertainties, shifts in rental demand, and the impact of economic pressures on borrowing costs. Here’s five areas to watch in real estate in 2025:

Conclusion

The UK real estate market in 2025 is set to navigate a complex landscape shaped by political, economic, and regulatory factors. From political uncertainties and shifting rental dynamics to interest rate pressures and construction challenges, adaptability and strategic foresight will be key for investors. Emerging trends like Co-Living underline the sector’s evolution, offering flexible, community-driven solutions that resonate with changing market needs. As these dynamics unfold, the focus on resilience and innovation will define success in an increasingly demanding environment.

It’s manifesto week so we thought we should join in and launch our very own Business Relief manifesto, setting out our commitments to advisers and their estate planning clients.

Just like the politicians, we believe it is time for a change and new ideas. So, we have developed a clear plan and have taken bold action to reform our solutions in order to deliver a secure future for Britain’s beneficiaries. On the doorsteps we hear that estate planning clients are looking to maximise the wealth they can pass to their families when they die, so they can enjoy financial security.

Clients want peace of mind that their estate planning will be a success and not fail as others have done in the past. Here is how we will do that;

1. Deliver investment stability and growth – Our secured real estate lending investment strategy targets low volatility growth of 3-5%. Annualised growth since inception (31/12/14 – 31/12/23) has been in excess of 6%.
   
   
2. Low costs – Keeping cost low means more money for beneficiaries. We have reduced fees and have some of the lowest costs in the unlisted Business Relief market.(Apex/Allenbridge review, September 2023)
   
   
3. Tax efficient access – We understand that things change and investors may need access to their money. Our lending strategy is designed to qualify for Investors’ Relief with a low rate of Capital Gains Tax on disposal. 
   
   
4. The IEP Apex triple lock – Through IEP Apex, we aim to mitigate the effects of IHT by investing in Business Relief qualifying investments, providing complimentary IHT insurance during the BR qualifying period, and ensuring proceeds are paid into a trust arrangement.
   
   
5. National care service – We care about care, and believe everyone should have access to help and support if they need it. We provide complimentary access to a professional care advice service for all investors and their families.
   
   

To learn more about IEP Apex, and its additional care service, click below, and one of our team members will be in touch. 

International Women’s Day is a global day celebrating the social, economic, cultural, and political achievements of women. The day also marks a call to action for accelerating women’s equality.

IWD has occurred for well over a century, with the first IWD gathering in 1911 supported by over a million people. Today, IWD belongs to all groups collectively everywhere.

Research your desired career path and understand the relevant qualifications. If you lack formal qualifications, consider alternatives like training contracts or apprenticeships, which can sometimes be financially supported by employers. Networking is crucial – join finance groups, attend events, and seek out mentors. There are many female-only finance events to help you connect! Self-advocacy is key.

Alanis

Technical Analyst

Build your connections and don’t let exams deter you. There’s a common belief that exams are the only pathway into the sector, but there are many routes that don’t require formal qualifications. Many women in the industry are eager to help others by sharing their knowledge through on-the-job learning.

Emily

Associate Business Development Manager

Seek out mentors, learn as much as you can, strive to be your best, and then pay it forward to the next generation of women.

Natasha

Head of HR

Women supporting one another is vital, especially in ensuring that everyone’s voices are heard and encouraging one another to pursue promotions or new roles. I admire the amazing female role models around me who exemplify a successful work-life balance as mothers. I know that when I become a mother, I will have a network of incredible women to help me navigate my career while being a present parent.

Alanis

Technical Assistant

As a Finance Analyst, my day-to-day work involves looking after the accounting and financial reporting for our IEP funds. I collaborate with various stakeholders in the business to get the most up to date information and then use this to prepare the accounts, monitor and report the performance of our investments, and analyse the key performance indicators that ultimately help management in deciding on future strategy.

Emily

Associate Business Development Manager

Supporting each other fosters individual growth and enhances an organization’s culture. It builds confidence, encourages collaboration, and reinforces community, which is essential for a healthy workplace.

Natasha

Head of HR

“Say yes before you’re ready.” Many women in finance experience imposter syndrome and may question their readiness for promotions or new opportunities. When I face a challenge that feels beyond my current capabilities, I remind myself to embrace it anyway—growth comes from stepping outside our comfort zones.

Alanis

Technical Assistant

Focus on the ‘why’ rather than the ‘what.’ Understanding the purpose behind my work has brought me more joy and motivation. This perspective encourages me to embrace challenges outside of my comfort zone.

Emily

Associate Business Development Manager

Be honest and be yourself. Don’t be afraid to show your vulnerabilities; that shows strength. Have the confidence to strive for more.

Natasha

Head of HR

Time management is crucial, especially as I study for my ACA exams while working. I make it a point to log off by 6 PM, fit in lunchtime walks, and reserve my weekends for revision or socialising rather than work.

Alanis

Technical Assistant

My manager has been instrumental in this aspect. Establishing strong connections makes it easier to advocate for flexible working arrangements. When your boss understands your personal life, they become more invested in your well-being and productivity.

Emily

Associate Business Development Manager

I’ve always felt supported in growing professionally while ensuring I carve out the time needed to recharge. Sometimes, the scales can be tipped one way, but it’s important to always find the equilibrium.

Natasha

Head of HR

With the implementation date for Consumer Duty fast approaching, we consider below how Business Relief (BR)-qualifying services may be impacted by the new regulatory framework.

What does the new Consumer Principle “Must act to deliver good outcomes for retail customers” mean when applied to BR?

---

Traditionally, financial plans are considered through the lens of agreeing an objective at the outset. In the BR world, most customers approach the investment seeking a clear objective: mitigation of the impact of Inheritance Tax (IHT) on their investment upon death. If a client sets out this objective, failing to mitigate the effects of IHT on death would mean, at least in part, failing to achieve a good outcome.

In addition to the primary objective, the emphasis on considering the specific client’s needs means financial plans must consider the bigger picture. So what should this look like for BR clients? In addition to considering investor risk tolerance and the general suitability of an investment, this could be summarised in the following way:

• Mitigate the impact of Inheritance Tax whenever death occurs.
• Protect and carefully grow wealth over the long term so the best possible legacy can be passed on to beneficiaries.
• Ensure fees and charges are reasonable while maximising the utility of the service to deliver fair value
• Offer flexibility, for instance, a facility for regular withdrawals or complete withdrawal if necessary.
• Consider any further specific needs of each client. They might be vulnerable and require particular assistance, or they could benefit from a care planning service.

This approach raises the bar for manufacturers, financial advisers and research firms and might require advisers to consider different solutions to those previously advised.

Proactively avoid foreseeable harm

---

As with any investment, inherent risks are associated with an investment in a BR-qualifying service. The Consumer Duty guidance puts further emphasis on the importance of proactively avoiding foreseeable harm to an investor and assessing the limitations of an investment.

An inherently unpredictable risk for BR customers is that of an investor dying before IHT mitigation is achieved (BR investments must be held for two years before they qualify for IHT relief). Many investors considering BR investments are older, and with this, the risk of dying within the qualifying period becomes higher. It is an obligation for all parties, including investment managers, financial advisers and research firms to consider how this foreseeable harm could potentially negatively impact a financial plan, resulting in a poor investor outcome. The question then arises as to what can be done to protect the client against this eventuality. A possible solution is to consider insurance that covers the IHT liability for the first two years of the investment before it qualifies for BR. However, this would need to be weighed up with the impact of potentially higher charges, looking to find an option that protects growth while keeping costs and charges at a reasonable level, ensuring the best possible outcome for the investor. This is explored further in the next section.

Deliver fair value

---

Thinking about fair value of BR-qualifying services, how comprehensively is the best possible outcome met, relative to the cost, and how can this be evidenced? In the case of the outcome specified earlier, the checklist could include the following:

• Effectiveness, including timing, of IHT mitigation
• Investment return over the long term, after fees
• Flexibility of access to the investment
• Extra services for the investor, for instance, a care planning service
• Availability of information to enable the investor to understand the investment fully

If a service provides a better return for investors than other services with comparable investment strategies, this is a reasonable indicator of whether the service is of fair value.

The same method can be used to assess the insurance value mentioned above. This might be prohibitively expensive, thus eroding the value of assets to the point that it is not worth it for an investor to gain the desired IHT mitigation before the two-year qualifying period. However, if that cost is kept to a minimum or even included at no additional cost to the investor, offering immediate IHT mitigation, then this becomes a key consideration in assessing the fair value of a service.

Published in Professional Adviser and Financial Investor 24

As the shoots of Spring arrive, the general rhetoric is that the worst of the cost of living crisis could be behind us, or it is at least losing some of its recent bite. However, recession or no recession, it seems likely that we will feel the pinch for quite some time.

What does this mean for the area of later life planning?

---

Many in this cohort are retired and don’t need to worry about the potential of job market instability or lack of wage growth. They may also be mortgage-free, so rising interest rates are not of great concern. While volatility might see their savings dip, they can often weather turbulence, not being required to call on lump sums for house purchases, school fees, and the like. Spending is often discretionary.

While this all paints a rather rosy picture, the real sting for retirees comes from inflation, especially in the context of relatively low interest rates, something that hasn’t been an issue throughout the economic downturns of recent memory. High inflation impacts all demographics, and fuel and general living costs have a painful impact on people operating a tightly controlled (even if very comfortable) budget. At the same time, interest rates remain low, and there is little opportunity to offset the increased outgoings with higher income.

Overcoming inertia

---

This environment can create short-term pessimism that results in long-term financial planning inertia – compounded by a generation that has not experienced this set of economic circumstances for a long time. For clients whom advisers believe should be considering estate planning, putting off decisions can severely impact a positive outcome for them and their families. Between April 2022 and January 2023, Inheritance Tax receipts grew by almost 10%¹. House prices have increased since the pandemic², even if they have fallen marginally of late, and so more estates will creep above the Government’s nil rate band of £325,000. What’s more, the nil rate band is frozen until 2026 and so won’t take into account any asset price inflation. At the same time, people are very conscious of the high cost of care and don’t want to lose control of their savings. The average cost of a care home is £600 per week, which rises to over £800 in a nursing home³.

Still, considering the threat posed by inertia alongside a few more positive pieces of news and data, perhaps now isn’t such a bad time to re-visit those seemingly intimidating financial plans. Household energy bills will offer some respite from the cost of living during the warmer months and inflation is widely reported to have reached a peak, falling for the third month in a row to 10.1%⁴ in the year to January, with more declines forecast to the end of the year. Your estate planning clients might remain cautious, but at the same time, begin to consider that not acting upon an estate plan holds the most significant risk of not achieving the most desirable outcome.

We have discussed this issue with financial advisers; they have shared a few tips to help overcome inertia with later-life clients.

1. Simplify goals: Your client needs to clearly understand what they want to achieve in the long term, but this can sometimes seem too challenging. Instead, break larger goals into achievable steps and highlight quick wins.
2. Present the facts: Popular news flow can paint a rather gloomy socio-economic picture, and headlines might cause your clients to shut down altogether. A simple, factual assessment of their situation, presented within the context of the broader economy, can help them to understand the most relevant benefits and risks to their financial plan.
3. Demonstrate extra value: All estate plans seek to mitigate against the impact of Inheritance Tax, but can you deliver additional value, for instance, assistance in planning for potential care needs, to your clients as part of the solution you recommend? If so, make sure you communicate this additional value to them.
4. Stay flexible: Especially in times of economic uncertainty, demonstrating where a plan offers flexibility is important and can make a cautious client feel more confident in actioning a plan.
5. Keep your client motivated: Long-term financial plans are just that – long term. Keep your client motivated and engaged by communicating with them regularly and celebrating their small successes.

¹ HM Revenue & Customs, 21 February 2023

² Propertydata.co.uk, 18 January 2023

³ Age UK, February 2023

⁴ ONS, 15 February 2023

Important information

The information, data and analyses presented herein do not constitute investment advice; are provided as of the date written; and are subject to change without notice. Every effort has been made to ensure the accuracy of the information provided, but Ingenious Capital Management Limited (hereafter; ICML) makes no warranty express or implied regarding such information. Nothing within this document constitutes investment, tax, legal or other advice. Our investments are considered high risk and investment decisions regarding them should be made with careful consideration. Except as otherwise required by law, ICML shall not be responsible for any trading decisions, damages or losses resulting from, or related to, the information, data, analyses or opinions or their use. 

Investments with particular tax features will be dependent on your personal circumstances and tax rules may change in the future. Past performance is no guarantee of current or future returns and the investor may receive back less than invested. The price of investments and the income deriving from them can go down as well as up and are not guaranteed. To find the full details of the risk factors and associated mitigation techniques of the fund(s), please refer to the relevant fund documents. Ingenious Capital Management Limited is authorised and regulated by the Financial Conduct Authority under FRN 562563. Registered Address: 15 Golden Square, London, W1F 9JF.

Advisers often talk to us about how their clients don’t view estate planning as something that is relevant to them, or that they simply believe there are too many negative associations for them to act, meaning they miss out on the benefits of early planning. While some estate planning solutions can provide poor outcomes and don’t reflect a good value service to clients, this doesn’t have to be the case with modern solutions. Here are the most common challenges we come across and how we believe you can support estate planning clients to overcome them and achieve a positive outcome.

What does this mean for the area of later life planning?

---

Many in this cohort are retired and don’t need to worry about the potential of job market instability or lack of wage growth. They may also be mortgage-free, so rising interest rates are not of great concern. While volatility might see their savings dip, they can often weather turbulence, not being required to call on lump sums for house purchases, school fees, and the like. Spending is often discretionary.

While this all paints a rather rosy picture, the real sting for retirees comes from inflation, especially in the context of relatively low interest rates, something that hasn’t been an issue throughout the economic downturns of recent memory. High inflation impacts all demographics, and fuel and general living costs have a painful impact on people operating a tightly controlled (even if very comfortable) budget. At the same time, interest rates remain low, and there is little opportunity to offset the increased outgoings with higher income.

Overcoming inertia

---

This environment can create short-term pessimism that results in long-term financial planning inertia – compounded by a generation that has not experienced this set of economic circumstances for a long time. For clients whom advisers believe should be considering estate planning, putting off decisions can severely impact a positive outcome for them and their families. Between April 2022 and January 2023, Inheritance Tax receipts grew by almost 10%¹. House prices have increased since the pandemic², even if they have fallen marginally of late, and so more estates will creep above the Government’s nil rate band of £325,000. What’s more, the nil rate band is frozen until 2026 and so won’t take into account any asset price inflation. At the same time, people are very conscious of the high cost of care and don’t want to lose control of their savings. The average cost of a care home is £600 per week, which rises to over £800 in a nursing home³.

We hope this article will help you to bust some estate planning myths with your clients to help them make the right decision for them. Please download our client-friendly estate planning myth buster booklet to help with your conversations.

*TER June, 2021

**Gov.uk, HM Revenue & Customs, 28 July 2022

Important information

The information, data and analyses presented herein do not constitute investment advice; are provided as of the date written; and are subject to change without notice. Every effort has been made to ensure the accuracy of the information provided, but Ingenious Capital Management Limited (hereafter; ICML) makes no warranty express or implied regarding such information. Nothing within this document constitutes investment, tax, legal or other advice. Our investments are considered high risk and investment decisions regarding them should be made with careful consideration. Except as otherwise required by law, ICML shall not be responsible for any trading decisions, damages or losses resulting from, or related to, the information, data, analyses or opinions or their use. 

Investments with particular tax features will be dependent on your personal circumstances and tax rules may change in the future. Past performance is no guarantee of current or future returns and the investor may receive back less than invested. The price of investments and the income deriving from them can go down as well as up and are not guaranteed. To find the full details of the risk factors and associated mitigation techniques of the fund(s), please refer to the relevant fund documents. Ingenious Capital Management Limited is authorised and regulated by the Financial Conduct Authority under FRN 562563. Registered Address: 15 Golden Square, London, W1F 9JF.

First published on FTAdviser

Speaking to advisers for many years now has allowed me to realise that a consistently challenging task they face is not only establishing the best route to take when offering estate planning advice to clients, but also in getting clients to accept it and then act. Without action, the best laid plans of both mice and financial planners won’t be successful and deliver value.

The reasons cited for this inertia commonly group around two systemic problems.

The first obvious one is the client normally has absolutely no idea when they are going to die. This poses an issue as nobody knows exactly how long the client has to act so generating any sort of urgency is impossible. It’s also due to this uncertainty in timing, nobody has any idea which plans would ultimately prove successful. Life insurance is the key exception to this as it would offer an immediate impact, but taking out Whole of Life insurance cover poses an indefinite ongoing financial liability; the exact opposite of the kind of clarity the clients would be after before taking action. Therefore any plan that can’t offer the certainty of being effective from an IHT perspective from Day 1 will be unattractive as it will inspire a lack of confidence and invite a delay in action. Either issue would prove to be a road-hump; both together are a cul-de-sac.

The second common issue is that if the client doesn’t have a crystal ball, they can’t know exactly what is in store for their financial fortunes and so can’t compute what their final IHT liability will be when they die. If they don’t know this, how can they possibly establish how much they can afford to part with or how much insurance cover they actually need (to afford)? Again, if clients neither have ongoing access to all their funds or know exactly what they can afford, they will find it near impossible to commit to a plan that deprives them of their assets in some way.

For these two main reasons, discussions over estate planning can all too often be held without the agreement of actually taking action on a specific plan. And as we all know, “failing to plan is planning to fail.”

So what’s important to solve this?

Ultimately if the plan you recommend to clients works speedily and allows clients to retain access to all their assets, you will have removed both of the main issues they find stops them from taking action.

What does this mean for the area of later life planning?

---

Many in this cohort are retired and don’t need to worry about the potential of job market instability or lack of wage growth. They may also be mortgage-free, so rising interest rates are not of great concern. While volatility might see their savings dip, they can often weather turbulence, not being required to call on lump sums for house purchases, school fees, and the like. Spending is often discretionary.

While this all paints a rather rosy picture, the real sting for retirees comes from inflation, especially in the context of relatively low interest rates, something that hasn’t been an issue throughout the economic downturns of recent memory. High inflation impacts all demographics, and fuel and general living costs have a painful impact on people operating a tightly controlled (even if very comfortable) budget. At the same time, interest rates remain low, and there is little opportunity to offset the increased outgoings with higher income.

Overcoming inertia

---

This environment can create short-term pessimism that results in long-term financial planning inertia – compounded by a generation that has not experienced this set of economic circumstances for a long time. For clients whom advisers believe should be considering estate planning, putting off decisions can severely impact a positive outcome for them and their families. Between April 2022 and January 2023, Inheritance Tax receipts grew by almost 10%¹. House prices have increased since the pandemic², even if they have fallen marginally of late, and so more estates will creep above the Government’s nil rate band of £325,000. What’s more, the nil rate band is frozen until 2026 and so won’t take into account any asset price inflation. At the same time, people are very conscious of the high cost of care and don’t want to lose control of their savings. The average cost of a care home is £600 per week, which rises to over £800 in a nursing home³.

All this means that advisers and clients alike can have confidence that should their advice be accepted and the client takes action not only should their IHT issue be alleviated immediately but they will have confidence that they will retain full access and control over the investment indefinitely. This will mean clients should be fully confident to proceed and there is no need for inertia.

A speedy service will promote speedy action to deliver a speedy outcome.

If you haven’t considered IEP Apex for your client’s IHT requirements, now is the time to do so.

*Ingenious survey – PFS Retirement and Later Life Roadshows – May 2022

Age and health restrictions apply. Refer to brochure for limits.

To learn more about IEP Apex, and its additional care service, click below, and one of our team members will be in touch

Do you receive third-party support for your research and due diligence?

93% of advisers told us that the speed of IHT mitigation, as well as maintaining access and control over client assets, are the primary motives when recommending Business Relief qualifying investments (BR) to clients¹

At Ingenious we have launched a new BR-qualifying service which provides peace of mind with IHT mitigation from day one of share allotment via insurance cover which is paid for by the Manager_.

What does this mean for the area of later life planning?

---

Many in this cohort are retired and don’t need to worry about the potential of job market instability or lack of wage growth. They may also be mortgage-free, so rising interest rates are not of great concern. While volatility might see their savings dip, they can often weather turbulence, not being required to call on lump sums for house purchases, school fees, and the like. Spending is often discretionary.

While this all paints a rather rosy picture, the real sting for retirees comes from inflation, especially in the context of relatively low interest rates, something that hasn’t been an issue throughout the economic downturns of recent memory. High inflation impacts all demographics, and fuel and general living costs have a painful impact on people operating a tightly controlled (even if very comfortable) budget. At the same time, interest rates remain low, and there is little opportunity to offset the increased outgoings with higher income.

Overcoming inertia

---

This environment can create short-term pessimism that results in long-term financial planning inertia – compounded by a generation that has not experienced this set of economic circumstances for a long time. For clients whom advisers believe should be considering estate planning, putting off decisions can severely impact a positive outcome for them and their families. Between April 2022 and January 2023, Inheritance Tax receipts grew by almost 10%¹. House prices have increased since the pandemic², even if they have fallen marginally of late, and so more estates will creep above the Government’s nil rate band of £325,000. What’s more, the nil rate band is frozen until 2026 and so won’t take into account any asset price inflation. At the same time, people are very conscious of the high cost of care and don’t want to lose control of their savings. The average cost of a care home is £600 per week, which rises to over £800 in a nursing home³.

Additional benefits with IEP Apex:

• INVESTMENT PERSONALISATION – IEP Apex is one of a few discretionary managed portfolio services that allows the investor the choice of tailoring the investment focus to meet their own objectives and preferences.

• ACCESS TO MARKET LEADING RETURNS – IEP Apex’s investment allocation gives investors access to Ingenious’ market-leading real estate secured lending strategy². Third-party analysis conducted by Tax Efficient Review shows that investors over a five-year period have received an actual total return of £128,000 from £100,000 invested².

• IEP APEX INCLUDES COMPLIMENTARY ACCESS TO IEP CARE SERVICE – Like all IEP services, IEP Apex also provides complimentary access to a professional care advice service, Grace Consulting, providing 24/7 access to professional advice for any care needs your clients have, targeting better care and better value for investors and their families.

If you haven’t considered IEP Apex for your client’s IHT requirements, now is the time to do so.

¹ Ingenious survey 2022

² Tax Efficient Review, June 2021

Age and health restrictions apply. Refer to brochure for limits.

To learn more about IEP Apex, and its additional care service, click below, and one of our team members will be in touch. 

Do you receive third-party support for your research and due diligence?

With 66% of advisers believing their own research and due diligence processes will need to change in light of Consumer Duty¹, now is the time to act.

The market for BR-qualifying services has traditionally been homogeneous, with planning success and good outcomes contingent upon investors surviving two years or having otherwise to pay for additional insurance cover (which could be as much as 13% of the capital invested). Does your third-party research and due diligence only focus on services like this?

Things have changed

Ingenious has launched a new Business Relief (BR)-qualifying service which provides peace of mind with IHT mitigation from day one of share allotment via insurance cover which is paid for by the Manager². You no longer have to wait two years for BR qualification to become effective. Whilst your investors may not always feel they need IHT mitigation from day one, why take the risk? The financial consequences for their loved ones are significant. Better to be covered than not.

As a result, the risk of planning failure due to early death is now entirely avoidable, with no negative consequence. So firms will need to update their research and product panels to ensure this is considered as part of their suitability assessment.

Here are two considerations to be made when selecting BR solutions moving forwards;

1. If the client is looking to fully mitigate the effects of IHT, will the solution achieve that in all cases?
   
2. If a solution is contingent on the client surviving two years, how can you demonstrate that you have avoided foreseeable harm?

¹ Ingenious survey 2022

² Age and health restrictions apply. Refer to brochure for limits.

To learn more about IEP Apex, and its additional care service, click below, and one of our team members will be in touch. 

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PHPSESSID	session	This cookie is native to PHP applications. The cookie is used to store and identify a users' unique session ID for the purpose of managing user session on the website. The cookie is a session cookies and is deleted when all the browser windows are closed.
viewed_cookie_policy	11 months	The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. It does not store any personal data.

Functional

functional

Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features.

Cookie	Duration	Description
li_gc	5 months 27 days	Linkedin set this cookie for storing visitor's consent regarding using cookies for non-essential purposes.
lidc	1 day	LinkedIn sets the lidc cookie to facilitate data center selection.
UserMatchHistory	1 month	LinkedIn sets this cookie for LinkedIn Ads ID syncing.

Performance

performance

Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors.

Analytics

analytics

Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc.

Cookie	Duration	Description
_dc_gtm_UA-66407291-1	1 minute	This cookie is installed by Google Tag Manager.
_ga		This cookie is installed by Google Analytics. The cookie is used to calculate visitor, session, campaign data and keep track of site usage for the site's analytics report. The cookies store information anonymously and assign a randomly generated number to identify unique visitors.
_ga_1PT8CHXJK2		This cookie is installed by Google Analytics. The cookie is used to calculate visitor, session, campaign data and keep track of site usage for the site's analytics report. The cookies store information anonymously and assign a randomly generated number to identify unique visitors.
_gat_gtag_UA_*	1 minute	Google Analytics sets this cookie to store a unique user ID.
_gid	1 day	Google Analytics sets this cookie to store information on how visitors use a website while also creating an analytics report of the website's performance. Some of the collected data includes the number of visitors, their source, and the pages they visit anonymously.
AnalyticsSyncHistory	1 month	Linkedin set this cookie to store information about the time a sync took place with the lms_analytics cookie.
CONSENT	2 years	YouTube sets this cookie via embedded YouTube videos and registers anonymous statistical data.
ln_or	1 day	Linkedin sets this cookie to registers statistical data on users' behaviour on the website for internal analytics.
PFCE	1 month	Profound email marketing sets this cookie to detect a click through from a marketing email.
PFCT	1 month	Profound email marketing sets this cookie to detect a click through from a marketing email.
vuid	2 years	This domain of this cookie is owned by Vimeo. This cookie is used by vimeo to collect tracking information. It sets a unique ID to embed videos to the website.

Advertisement

advertisement

Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. These cookies track visitors across websites and collect information to provide customized ads.

Cookie	Duration	Description
bcookie	1 year	LinkedIn sets this cookie from LinkedIn share buttons and ad tags to recognize browser IDs.
bscookie	1 year	LinkedIn sets this cookie to store performed actions on the website.
test_cookie	15 minutes	doubleclick.net sets this cookie to determine if the user's browser supports cookies.
VISITOR_INFO1_LIVE	5 months 27 days	YouTube sets this cookie to measure bandwidth, determining whether the user gets the new or old player interface.
YSC	session	Youtube sets this cookie to track the views of embedded videos on Youtube pages.
yt-remote-connected-devices	never	YouTube sets this cookie to store the user's video preferences using embedded YouTube videos.
yt-remote-device-id	never	YouTube sets this cookie to store the user's video preferences using embedded YouTube videos.

Others

others

Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet.

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