Send us Fan Mail Private Client Podcast: Business Relief, Inheritance Tax & Tax-Efficient Investing In this episode of the Private Client Podcast, Charlie CHAMI speaks with Mohamed Hussein, Business Development Manager for the Southwest at Downing, about the growing importance of inheritance tax planning and the role that business relief investments can play in helping clients manage potential IHT liabilities. With the nil-rate band and residence nil-rate band remaining frozen while property and investment values have increased, more clients who would not traditionally consider themselves wealthy are finding themselves potentially exposed to inheritance tax. The conversation explores the options available to advisers and the practical considerations when using business relief investments as part of an estate-planning strategy. In this episode, Charlie and Mo discuss: Why inheritance tax planning is becoming increasingly relevant to a wider group of clients, rather than just traditionally wealthy families.How frozen inheritance tax allowances, rising property and investment values, and changes to pension rules are affecting clients' estates.Business Relief (BR) — what it is, why it was introduced, and how qualifying investments can potentially provide IHT relief.The difference between unquoted BR investments and AIM-listed investments, including the changes to the level of relief available.How advisers are approaching clients who may have previously used AIM portfolios for inheritance tax planning.Replacement relief and how it can potentially be used when moving from AIM investments into qualifying unquoted investments.The importance of access to capital, including what happens if a client needs to withdraw money during their lifetime.Downing's approach to estate planning through investments in asset-backed lending and energy and infrastructure.The role of financial advisers, accountants and solicitors in identifying and implementing appropriate estate-planning solutions.Downing's Wealth Guard feature, which is designed to provide additional protection against investment value falling during the early years of an investment.The value of professional networking and collaboration between financial advisers, solicitors, accountants and other private-client professionals.Mo's advice for people starting a career in financial services, including the importance of initiative, building a reputation and becoming the person colleagues can rely on. Please note: This episode is intended for professional advisers and does not constitute financial advice. Any investment or estate-planning strategy should be considered in the context of the individual client's circumstances and subject to appropriate professional advice and due diligence. Guest Mo Hussein Business Development Manager, Southwest Mohammed Hussain DipPFS, Cert CII (DM, MP) | LinkedIn Mo has over 20 years' experience across financial services, with experience spanning lending, savings, investments, pensions, platforms and tax-efficient investing. He works predominantly with financial advisers, helping them explore potential solutions for complex estate-planning cases. Host: Charlie Chami https://www.linkedin.com/in/charleschami https://www.glamis-ifa.co.uk/ Private Client Network https://www.privateclientnetwork.co.uk/ https://www.linkedin.com/company/private-client-network/ https://www.instagram.com/private_client_network/ https://www.youtube.com/@ThePrivateClientPodcast This podcast is for informational and discussion purposes only and should not be considered legal, financial, tax or another form of professional advice.
