The gift and loan trust, or sometimes simply a loan trust, is a very popular weapon in the professional adviser's armoury and one that, used correctly, can help to save clients from the ravages of IHT, writes Kim Jarvis.
It allows clients full access to their capital, to ease the worry of unforeseen circumstances, while preventing the potential inheritance tax (IHT) liability on the capital increasing. It is IHT neutral...
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