OUR SERVICES


Discover how our range of estate planning services can help you create a legacy for the future.

Succession

For those seeking IHT relief and capital preservation.

Succession is our flagship service which offers you lots of choice in your estate planning strategy.

Choose from a discretionary service where your money is allocated for you across a diverse range of assets or a bespoke service where you can choose where your money is invested.

This service is ideal for families looking to pass wealth to successive generations and for business owners looking for greater tax-efficiency within their business.

You can choose from five asset-backed trading areas to create a highly diversified, lower risk portfolio.

Succession targets a return of 5% p.a. net of all fees.

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Estate Planning Service

For those seeking IHT relief and a regular income.

The Estate Planning Service offers a solution if you are seeking an alternative to annuities or a supplement to your pension.

Structured as a discretionary portfolio it provides IHT relief after two years, and it is unique in the market because it offers you a regular income of 4.5% p.a.

Investing solely in income producing physical assets, a dividend is distributed to investors twice a year.

Assets include hotel investments, renewables and bridging and construction financing. These low risk assets are carefully chosen to protect your capital while generating a natural yield.

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Asset-backed portfolios

Service Succession
Target return 5% growth p.a.
Minimum investment £40,000
Initial fee 5%
Dealing fee -
Annual fee 2%
Exit fee -*
Service Estate Planning Service
Target return 4.5% income p.a.
Minimum investment £25,000
Initial fee 5%
Dealing fee 1%
Annual fee 1.5%
Exit fee -

The annual and dealing fees exclude VAT which will be added at the prevailing rate.
*A transfer fee may apply in certain circumstances.

AiM IHT Portfolios

Provides full IHT relief combined with capital growth.

A simple estate planning solution that holds a diverse selection of AiM quoted companies held in a portfolio. Our service provides full IHT relief after just two years.

Our portfolio contains 40 AiM stocks, with an average market cap in excess of £400m.

This portfolio is ideal for those who want to consolidate existing investments, shelter them from inheritance tax and continue to benefit from capital growth.

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AiM IHT ISA

Improving the tax-efficiency of your ISA

ISAs enable you to build tax free savings during your lifetime. However, they are liable to inheritance tax unless you hold qualifying assets such as selected AiM listed companies.

Our specialist discretionary manager helps you enhance your ISA benefits by investing in a selection of the larger and more established AiM listed companies that qualify for full inheritance tax relief after two years.

If you have existing ISAs that you have built up during your lifetime, you can easily transfer to our AiM IHT ISA for full inheritance tax relief after two years whilst retaining your existing ISA tax reliefs.

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AIM PORTFOLIOS

Service AiM IHT Portfolios
Minimum investment £40,000
Initial Fee 5%
Dealing Fee 1%
Annual Fee 2%
Exit Fee 1%
Service AiM IHT ISA
Minimum investment £15,240
Initial Fee 4%
Dealing Fee 1%
Annual Fee 2%
Exit Fee 1%

The annual and dealing fees exclude VAT which will be added at the prevailing rate.

Insurance

We believe that capital protection and peace of mind are paramount when you invest.

That's why you can choose to protect your investment from day one with our optional insurance policy.

Optional insurance policies

Level of cover 25%
Premium 0.5%
Maximum coverage £300,000
Maximum pay out £75,000
Level of cover 50%
Premium 1.25%
Maximum coverage £250,000
Maximum pay out £125,000
Level of cover 100%
Premium 2.5%
Maximum coverage £250,000
Maximum pay out £250,000

Group term insurance policy available only to clients of Stellar Asset Management Limited as an optional service that can be cancelled at any time.

How to invest

Whether you are investing with us through a financial adviser, a discount broker or directly we are committed to make it as simple as possible.

Ways to invest

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Direct

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Through an IFA

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Discount Broker

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Discount Broker