PERSONAL LEGAL PLANNING SECRETS REVEALED

Edition 2008/9 v1

Financial Planning gets all the attention - but sound Legal Planning is crucial and this is a Practical Guide.

by Stephen Pett & the team

Author of www.Inheritance-Tax-Secrets.co.uk and www.Asset-Protection-Secrets.co.uk

Writing a Last Will and Testament
What is a Lasting Power of Attorney Property and Affairs
Do you need a LPA Personal Welfare too?
How about an Advance Directive (or Living Will/ Advance Medical Directive?
What is the difference between a Power of Attorney, Lasting Power of Attorney and an Enduring Power of Attorney (EPA)?
What happens if you don't have a valid Last Will when you die ?
What are the Rules of Intestacy?
A simple piece of information which could add thousands to your children's inheritance
How to protect your assets from Community Care Tax - 70,000 homes a year are sold to pay it
When does your Legal Planning need review - and how to get help economically
Some people don't have legal "parental responsibility" for their own children!
Many many ways to accidentally invalidate your Last Will or make it partly ineffective (and what to do about it)
Get an introduction to a good financial adviser if you don't have one
Businesses need special attention from Legal Planners - some simple pointers
Home ownership - tenants in common or joint tenancy and why

The ebook (in PDF format) is just £6.95, with £20 of money off vouchers!

(NB you can pay with a credit or debit card, you don't need a Pay Pal account)

If you would like a hard copy, the cost is £11.95 then click the link below

Or just call 0845 166 8873 and ask for admin with you credit/ debit card to hand (Monday to Friday 9-5) or send a cheque (payable to APWW Ltd) to APWW 2 Hankham Street Pevensey BN24 5BG

This is the information on they should be teaching in Law School, but the classes are not popular as other branches of the Law are much more profitable. But we have put it into language you can understand, and by the time you have read it you will know more than half the lawyers out there (but not the specialists!)

This is not a textbook for technical experts, it is a practical guide to Legal Planning for the layman It isn't a DIY Guide either, as Legal Planning is too complex for that. But being able to brief your Will Writer or solicitor fully will either expose their ignorance or give them much better information on how to help you.

Frequently asked questions Free Newsletter Asset Protection Testimonials For Financial Advisers

Tax Tips Newsletter + FREE ebook

Members of the public subscribe below, free. I won't give away ALL our secrets but we will give you some useful strategies you can easily use and an insight into some of the other issues we deal with every day. You will be sent the very latest version of the ebook as soon as you subscribe.

You can come off the list anytime, just two clicks!, so you have nothing to lose and your family could gain tens or even hundreds of thousands of pounds:

Pop your name and email address in below and the ebook will be on its way to save your family tax and should arrive in your inbox within hours:

If you are a financial adviser, please CLICK HERE

If you have trouble obtaining your copy, CLICK HERE

If you just want a Last Will, Lasting Power of Attorney etc visit www.APWW.co.uk

Inheritance Tax Secrets

If you genuinely don't think the book will help you and your family, just drop me a line and we will give you your money back - GUARANTEED!

even more money back Guarantees

Spending £14.95 now could result in your family benefiting from:

Tax savings paying your (great, great and great) grandchildren's University Fees or
giving them a good deposit on their first home - at the Taxman's expense
allowing your dependents the possibility of comfortable retirement - something which is getting much more difficult - courtesy of your wise investment today!
with occasional updates, your families wealth will cascade down the generations ...

Secrets you will learn....

> extra tax savings for many business owners

> extra tax savings for employees with death in service schemes

> special investments which can eliminate IHT

> when giving it away won't work

> give your entire wealth away in one day, tax free (!)

> why most existing planning will FAIL!

> write or amend a Will to save Tax after death

> avoid breaking the law on giving - it is much stricter than you think!

> help your Executors and save a small fortune

> how to avoid a costly Tax Investigation of your Estate

Learn how, even with the latest legislation designed to crack down on Inheritance Tax Planning, Inheritance Tax (IHT) remains essentially a Voluntary Tax, payable by those who haven't read my book......

... and more IHT Saving Tips than you have dreamed of... (see below for more.....)

Cut to the chase? I know I need Inheritance Tax Planning (IHT) planning advice - click here

How Inheritance Tax hits your family:

John and Freda had a home worth £300,000, modest life insurance payable to each other of £150,000 each, death in service and pension death benefits of £150,000 from Johns' job and savings of £30,000. Their youngest (of 3 children) was still living at home: the older children both had done reasonably well, but both have very large mortgages and need a lot of money to get their own kids through University, so could do with as much help as they could themselves, as well as wanting to give as much to their children as possible. Fortunately, they have written basic Wills leaving everything to each other (without which things might have been far more difficult - the chaos caused by lack of Wills is explained in the book.)

Estate Value: £780,000

They leave everything to each other.

John dies in an accident: NO TAX

Freda dies in another accident 6 months later: £45,000 of totally needless Tax has to be paid, effectively by the beneficiaries!!!

Buy the book and make sure your family (not the Taxman) benefit from all your hard work...

So far, pretty much everyone has died, in the end ....

Scientists expect this trend to continue, and I am advised that YOU are not going to be the exception, and that the exact date could be any time from now onwards. In the vast majority of cases, the Grim Reaper does not make an appointment. It follows that you should decide who you want to get your hard earned assets, just in case your number comes up early! There are broadly three classes of people:

1) "I don't care who inherits my assets or children" (apparently the majority belong to this class!) You may be one of these without realising it!

2) "I am happy to let the Taxman be a major beneficiary". You probably belong to this class too! Do you like paying Tax? Would you really rather give it to the Taxman than your family or favourite charity?

3) "I want to pass my hard earned money on to family and friends and NOT the Taxman." My research indicates almost everyone wants to belong to this category, but not even 1% actually do any serious planning....

4) "I have arranged my Will and Finances to ensure my family benefits from my hard work" Congratulations!!! Now all you have to do is keep it up to date www.WillCustodian.co.uk might be an inexpensive way of keeping tabs on things.

Now is the moment to decide which class you want to belong to - if it is class 4, skip up to the order section or if you still need convincing read on:

A testimonial from Ron G Holland, a man who has probably created almost as many millionaires as Bill Gates!

I have devoted my life to helping people fulfill their potential, and very often that has been the potential to build wealth through establishing and growing a thriving business.

Since I met Steve, I have further reflected on the reasons why we all strive to achieve our true potential. They are many and varied, but the two most common are:

self-fulfillment – we are determined to do the best we possibly can and
to benefit our families and others .

Too often I have seen the dream fulfilled, only for the plug to be pulled by the Grim Reaper or one of his non-fatal henchmen, draining away a lifetimes achievement faster than you would believe possible, with families and employees alike suffering and all of the hard work in building up wasted. Businesses routinely make contingency plans or they would fail much sooner. We should all be doing the same to protect all we have created in our lifetimes.

So I urge you to read an act on the information in this Manual and take advice to underpin and preserve what you have achieved for yourself and your family. Life and death are a matter of chance and chances taken. Optimise yours for your own sake and that of your family!

Ron G Holland

www.TopBizGuru.co.uk Order

More Testimonials

"Useful to both the public and advisers"

John Douglass, Independent Financial Adviser

"very good and very informative."

Philip Holton, Ashley Law, Cheam

Like most people, too busy earning money to find time to read a book?

(But still like to do your best for your family - that's why you are working, after all!)

Option 1 - pay us a fee to do all the work for you! (We have a national team of associates.)

Option 2 - ORDER & DOWNLOAD the book and just read the "Tax Tips" chapter!

Every day many proud parents give Gordon Brown and the Inland Revenue the lions share of their estate.

Is this because they prefer the Taxman to their own children, grandchildren or favourite Charity?

Or is it because they have never bothered to invest an hour or two in understanding the issues which will enable "Wealth to cascade down the generations"?

I have tried to make it so easy to understand that there is now no excuse.........

Why make the Chancellor of the Exchequer your biggest beneficiary?

Leave your money to your choice of beneficiaries, with the help of my book.

We are all going to die at some time and most of us forget that the date is not predictable, so we put off planning. Planning has a surprising feel-good factor, and being well prepared must be positive. Not acting is procrastination, pointless putting off of vital matters, and could cost your heirs dear. It is easy to put things off!

Do I need this book?

Rule of thumb - if you care about yourself or your family - you will benefit

Who looks after you if you can't (no one without planning or a Court Order)
Who inherits your estate if you don't have a Will (it doesn't all go to your husband or wife generally)
If you have children from a previous relationship
Who can deal with doctors on your behalf? (No one without planning)
If you don't review your Legal Planning every year
Your estate when you die will be affected by Inheritance Tax (IHT) if the total taxable estate left behind exceeds £300,000 (from 6/4/07) including property, insurances payable to you or your partner and any other asset you may jointly own or expect to inherit.

Personal Legal Planning Secrets is GUARANTEED value for you and your family but you may also need:

I would strongly suggest buying the Inheritance Tax Secrets ebook if you are, or expect to be, worth more than £312,000.

If you are not, or if asset protection is a greater priority, CLICK HERE

Well over 95% leave it until it is too late - don't be one of them!

Well over 95% leave it until it is too late......

However, if you chose to leave your planning too late, it may even be possible to carry out a tax planning exercise shortly after death. The book will tell you how, and the exercise could save over £100,000. Some advisers recommend that you rely on this loophole staying open: we consider this to be reckless and dangerous as the Taxman could close the loophole at any time.

Inheritance Tax and (worse) Community Care Tax are doing a very effective job of stopping wealth from cascading down the generations. For any family there is a substantial chance that the Local Council will receive more from your Estate than each individual child or grandchild.

Is this book full of potentially dangerous tax tips? NO: we avoid arguable tax planning like the plague and just use tried and trusted techniques which will not arouse the Taxman's massive investigative skills! We do not want our clients estates tied up in legal battles! There is a place for this sort of planning - amongst the super-rich where a few hundred thousand pounds in legal fees is neither here nor there! Even they should use the book first, before more exotic, far more expensive and risky strategies.

Why did I write this book?

Since 1969 I have been studying how to preserve and enhance clients wealth, initially as an Independent Financial Adviser before moving over to the legal side which was far less well served. I now operate a specialist Consultancy, and work with many Financial Advisers to support their efforts.

I write regularly for Financial Advisers, and am currently a Regional Director for the Society of Will Writers and Estate Planning Practitioners. I also work with other will writing professionals to enhance and develop their practices.

I found it difficult to find a non technical Legal Planning guide and even more difficult to find it in plain English (I have tried very hard to steer clear of jargon). And finally, I wanted my book to be a step by step practical guide - I hope you will like it.

I am so confident that everyone (except genuine full time Legal Planning experts) will find something of use in this book that I am offering a MONEY BACK GUARANTEE

TIP! Learn how to give away millions of pounds every year - TAX FREE!

Most people have worked hard to buy their home and save, paying tax at marginal rates of between 30 and 60% (remember VAT and National Insurance) while they are earning and raising a family, only to have a further 40% taken away by Gordon Brown on death before their children get anything.

Most people would prefer to pass as much as possible on to children, grandchildren, charities etc. Pretty much anyone other than Gordon Brown (or any other Chancellor of whatever political persuasion!)

Bonus Saving 1

One simple piece of knowledge which helped the Executors of one estate worth just £200,000 save nearly £10,000 in professional fees. This secret is yours free when you buy my book...

TIP! Learn how to avoid the 40% tax on life insurance benefits

HOW CAN I HELP YOU?

Unsurprisingly, Legal Planning is a very specialist area, which may involve coordinating the efforts of a team of experts over many years for the seriously wealthy. I have drawn together a band of experts to put together a book to talk you though many of the options available to you, so you can understand the background issues, and probably dismiss many of the options in advance as being inappropriate for you.

TIP! Don't be forced to sell your home if you husband/ wife dies

Bonus Saving 2

Having a good appreciation of asset protection techniques may come in useful one day, to you or to a friend or relative. As a special bonus, I will add in a free chapter of my forthcoming Asset Protection Secrets Book plus a special discount voucher if you decide you would like to buy the book.

FIVE MONEY BACK GUARANTEES

1) If you find a Legal Planning Tax tip I have missed, send it to me and I will refund your full purchase price

2) If you don't find my book useful for any reason, just tell me why and I will refund your full purchase price (less Pay Pal costs if you order that way)

3) If you don't understand my book, tell me which parts you can't follow and I will refund your money AND try to re-write the section to make it clearer for you.

4) If you can't potentially save 100 times the cost of the book in Tax - I will give you your money back - GUARANTEED!

5) The book includes several MONEY BACK vouchers which can be redeemed against relevant services such as Will Writing, Tax Advice, Financial Advice, Pre Need Funeral plans, Will storage and Review Services, or my forthcoming books on Asset Protection and Legal & Financial Planning.

Thanks for your interest,

Stephen Pett

VOUCHERS INCLUDED

(for printable order form click here)

Which Money Back Vouchers would you like with your ebook? Each will entitle you to a FULL REFUND of the purchase price of the book from one of our participating suppliers when you use their services:

‹ Will Writing

‹ pre-paid Funeral Plans

‹ IHT Review (normally carried out in association with your Financial Adviser)

‹ Peace of Mind Service: voucher for secure storage and more though Will Custodian Ltd

‹ Discount voucher towards Inheritance Tax Secrets ebook

NOT convinced, even by the Money Back Guarantee?

Check out a few sample pages and the Index pages to give you a flavour of the potential savings you could start making:

If you are a financial adviser, please CLICK HERE

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