Free report: 'How to make your ISA IHT free'

You've invested wisely and tax efficiently over the years.

But did you know that unless you do something, when you die the taxman could take 40% of your ISA in Inheritance Tax?

How could you avoid that?

This short free report explains in plain English how you could:
  • Prevent your money from disappearing in IHT when you die
  • Keep control of your ISA for as long as you live - no gifts, no trusts
  • Potentially pass on the whole of your ISA IHT free
  • Keep benefiting from tax-free growth and income
  • Make tax-free withdrawals if you need
Estates worth £1m or more paid an average of £470,117 each in IHT (2013/14). Will yours? Download your free guide now to discover how you could protect your estate from a 40% IHT charge.  

Please note: some of the investments described are in small companies, which are riskier than larger ones. The trade-off is that if you are a high net worth individual or sophisticated investor you could enjoy very significant benefits. This free guide is not advice, it simply explains the main facts, so you can decide for yourself. Please remember neither returns nor tax benefits are guaranteed. 

Important: IHT relief is subject to companies retaining their qualifying status and not guaranteed. Tax rules can change. This guide, like our service, is not advice nor a personal recommendation to invest. If you are unsure an investment is right for you please seek advice. 

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High Net Worth Investor

I make this statement so I can receive promotional communications exempt from the restriction on promotion of non-readily realisable securities. The exemption relates to certified high net worth investors and I declare I qualify as such (and am also a certified high net worth individual for the purposes of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005), because at least one of the following applies to me throughout the last financial year:

  • I had an annual income of £100,000 or more. This excludes money withdrawn from my pension (except where the withdrawals are used directly for income in retirement).
  • I held net assets of £250,000 or more. These exclude: (a) my primary residence or any money raised through a loan secured on it; or (b) any rights of mine under a qualifying contract of insurance; or (c) any benefits (in the form of pensions or otherwise) payable on the termination of my service or on my death or retirement and to which I am (or my dependants are), or may be, entitled; or (d) any withdrawals from my pension savings (except where the withdrawals are used directly for income in retirement).

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Self-certified Sophisticated Investor

I declare I am a self-certified sophisticated investor for the purposes of the restriction on promotion of non-readily realisable securities. I understand this means I can receive promotional communications from a person authorised by the Financial Conduct Authority which relate to investments in non-readily realisable securities. I am also a self-certified sophisticated investor for the purposes of the Financial Services and Markets Act (Financial Promotion) Order 2005.

I am a self-certified sophisticated investor because at least one of the following applies:

  • I am a member of a network or syndicate of business angels and have been so for at least the last six months;
  • I have made more than one investment in an unlisted company in the last two years;
  • I am working, or have worked in the last two years in a professional capacity in the private equity sector, or in the provision of finance for small and medium enterprises;
  • I am currently, or have been in the last two years, a director of a company with an annual turnover of at least £1 million.

I understand this means: 

  1. I can receive financial promotions that may not have been approved by a person authorised by the Financial Services Authority;
  2. The content of such financial promotions may not conform to rules issued by the Financial Services Authority; 
  3. By agreeing to this statement I may lose significant rights; 
  4. I may have no right to complain to either the Financial Services Authority or the Financial Ombudsman Scheme; 
  5. I may have no right to seek compensation from the Financial Services Compensation Scheme. 

I accept that the investments to which the promotions will relate may expose me to a significant risk of losing all of the money or other property invested. I am aware that it is open to me to seek advice from an authorised person who specialises in advising on non-readily realisable securities and investments. 
I undertake to keep the private offers I receive as a member of Wealth Club confidential and for my use only.