Lifetime planning.

Structuring gifts and transfers made during your lifetime to reduce the eventual charge.

What it is

Done in good time.

Much of the most effective inheritance planning happens during a lifetime, not at the end of one. Gifts made in good time, transfers into the right structures, and the use of available allowances can reduce what is eventually charged — but most of these depend on time passing, and so reward starting early.

We plan the lifetime transfers that fit your intentions and your circumstances, weigh each against its tax effect, and put them in place while the time they need is still available.

How we advise

Gifts and allowances

Using lifetime gifts and the allowances that apply to them.

Transfers into structure

Moving assets into trusts or foundations where that serves the plan.

Timing and survivorship

Starting transfers early enough that the passage of time reduces the charge.

Control and benefit

Giving away value without giving up more control than you intend.

Important information

The basis on which we advise.

This page is general in nature and does not constitute tax, legal or financial advice. Advice is given only under a formal engagement, on the basis of your specific circumstances.

ORA Black advises on the design, selection and coordination of structures; it does not act as trustee, foundation council member or administrator, and does not hold client assets. Fiduciary, formation and administration services are provided by appropriately licensed and regulated providers. Where regulated financial services are required, these are provided through ORA Black’s partnership with NEBA Private Clients.

Discuss your position in confidence.

Speak with a partner