A well-structured estate plan can help ensure your assets are distributed according to your wishes while also helping to minimise unnecessary tax liabilities and financial complications for your loved ones.
At our firm, we work with individuals, families, and business owners to create estate planning strategies designed to preserve wealth across generations and provide clarity and security for the future.
Without proper planning, significant portions of an estate may be exposed to taxation, delays, or unintended outcomes.
Estate planning can help:
Capital Acquisitions Tax (CAT), commonly referred to as inheritance tax, can significantly impact the value of assets passed to beneficiaries.
Careful estate planning can help families manage potential tax liabilities and structure wealth transfers more efficiently.
Section 72 policies are a specific type of life assurance policy available in Ireland designed to help families meet inheritance tax liabilities.
When structured correctly under Section 72 of the Capital Acquisitions Tax Consolidation Act, policy proceeds may be used to pay inheritance tax without themselves creating an additional inheritance tax liability.
These policies can provide liquidity at an important time and help beneficiaries retain inherited assets such as:
Section 73 policies are long-term savings and investment plans designed to help individuals plan for future Capital Gains Tax (CGT) liabilities in Ireland.
Under Section 73 of the Taxes Consolidation Act, certain life assurance investment policies may qualify for favourable tax treatment where policy proceeds are specifically used to pay CGT liabilities arising on the disposal of business or investment assets.
These policies are commonly used as part of broader estate, succession, and business planning strategies.
Section 73 planning can be particularly valuable for business owners, investors, and individuals with appreciating assets who wish to prepare for future tax obligations in a structured and tax-aware manner.
Bare Trust Investments are commonly used in Ireland as a tax-efficient way for parents, grandparents, or family members to invest on behalf of a child.
Under a Bare Trust arrangement, investments are held by an adult trustee for the benefit of a named child beneficiary until they reach adulthood. The assets legally belong to the child, while the trustee manages the investment until the beneficiary becomes entitled to access the funds.
Bare Trusts can form part of a broader long-term savings and estate planning strategy.
Estate planning is particularly important for business owners and company directors.
Without proper planning, business assets may become difficult to transfer or could create financial strain for surviving family members or shareholders.
Estate planning is not only about tax; it is about ensuring your family’s long-term financial wellbeing.
This may involve:
Estate planning should evolve alongside changes in:
Regular reviews help ensure your arrangements remain aligned with your wishes and current legislation.
Protect your assets, family, and legacy through structured estate and inheritance planning.
Create long-term financial security and intergenerational wealth strategies.
Help preserve family wealth and financial continuity for future generations.
Estate planning is about more than wealth transfer; it is about protecting the people and legacy that matter most.
Work directly with Georgina Roche, guided by our Safeguard, Build, Sustain ethos.
Pick a time that suits you and we’ll chat with one of our Qualified Financial Advisors. The call takes about 30 minutes, with no obligation.
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