When a client dies, their will isn’t necessarily the final word on how their estate gets distributed. Deeds of variation and disclaimers give beneficiaries a valuable window – two years from death – to reshape inheritances in ways that can reduce tax bills and improve family outcomes – often both.
In the latest episode in our ‘Technically speaking’ series, we invited Steve Sayer from Utmost to join host Richard Allum, to cast his expert gaze on the post-death planning issues that paraplanners need to consider.
During the hour-long session, Steve explains:
What’s more, the session also explores disclaimers – the simpler but more restrictive alternative to variations. Steve clarifies:
Throughout the episode, Steve offers examples to help illustrate concepts such as periodic charges and ten-year anniversaries.
If you’re working on suitability reports that cover post-death planning options, are supporting a client following a death, or would just like to give your technical knowledge a boost, this is the ideal ‘Technically speaking’ episode for you.
Useful links
CPD: Take the quiz to receive your certificate
Slides: Deeds of variation and disclaimers
Utmost Technical Academy webinar series
Utmost x Paraplanners' Assembly: all our previous sessions
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