Goldmine Media – SmartWeb Offer SmartWeb marketing solution form Goldmine Media will enable your business to add another layer of interaction when engaging with your business audiences. Use this service to:  Increase your website sales enquiries  Add regular changing website resource content  Improve your website SEO rankings  Attract and retain website traffic  Generate further leads and sales opportunities  Use content for e-marketing campaigns  Use to provide an e-news alerts service  Improve brand awareness  Build existing client loyalty Buy 1 SmartWeb solution for just £297.87 and get the other 2 SmartWeb solutions completely FREE, worth a total of £1,467.98  SmartWeb Solution 1: 22 fully personalised e-factsheets to upload to your website and email to your business audiences, enabling you to instantly create more business opportunities  SmartWeb Solution 2: 13 fully interactive website calculators to include within your existing website, creating an instant level of interactivity and the ability to create immediate sales enquiries  SmartWeb Solution 3: Website Content Marketing Bundle including your fully personalised client marketing guides to upload to your website and email to clients and prospects e-factsheet Titles 22 e-factsheets (covering protection – personal and business, retirement planning, investment planning, Inheritance Tax Planning) – side skyscraper image panel and headers coloured to your trading style colour theme  Life assurance…have you provided a financial safety net for your loved ones?  Term assurance…can you guarantee on always being there for those who depend on you?  Whole-of-life assurance…have you made provision for financial protection that lasts for the rest of your life?  Critical illness cover…have you chosen the right cover to help ease your financial pressures?  Income protection insurance…how would you pay the bills if you were sick or injured and couldn’t work?  Long-term care funding…if you've got elderly parents could you pay for all or part of their care costs?  Financial protection for you and your family…with the abundance of choice, how will you make the right decisions?  Making a will…have you planned ahead to ensure your loved ones could cope financially without you?  Wealth protection…will your legacy involve just leaving a large Inheritance Tax bill for your loved ones?  Business protection…have you overlooked your most important assets, the people who drive your business?  Building a bigger pension…could you benefit from the reintroduction of the Carry Forward rules?  Retirement options…do you know how to take your pension benefits?  Wealth matters…have you lost sight of your investment goals?  Self-Invested Personal Pensions…would you like to take more control over your pension fund investment decisions?  National Employment Savings Trust…do you need help saving for your retirement?  Retirement matters…should you consider consolidating your pension plans?  Planning for tomorrow…what retirement income should you aim for?  Getting a good mix of assets…should you spread your capital across different investment vehicles?  Bridging the gap…will you be faced with a retirement income shortfall?  Trust in your future…will you pass on your wealth in a tax-efficient manner?  New pension rule opportunities…when was the last time you reassessed your retirement savings strategy?  Pooling your money…do you want to create a wider spread of investments in your portfolio? Call Oliver Taylor on 0845 686 0055 quoting Linkedin or e-mail oliver@goldminemedia.co.uk

1. Your company name, logo, (photo – if required),
contact details and regulatory details here.
Embedded links to your website address and email address here. Colour themed to match your branding.
Estate planning
Will you pass on your wealth in
a tax-efficient manner?
Inheritance Tax (IHT) is an issue affecting increasing numbers of households across the country.
Changes introduced in Chancellor Alistair Darling’s pre-Budget report in October 2007 have
made it possible for couples and civil partners to combine their individual IHT allowances, so
that it is easier for them to protect their families’ inheritance.
IHT is currently payable at 40 per cent on any amount over £325,000 – the nil rate band (tax
year 2011/12). The nil rate band is the term used to describe the value an estate can have before
it is taxed (£650,000 for married couples). So if you have an estate worth £500,000, £175,000 is
taxed at 40 per cent, meaning the IHT bill would be £70,000.
Estate planning tool
Trusts are a well-established and useful tool in estate planning. A trust allows someone (the
settlor) to make a gift of assets, without completely losing control of those assets, by placing
them with a third-party (the trustees) to administer on behalf of the trust beneficiaries.
The value of a trust in IHT planning is that it enables you to reduce the wealth on which your
beneficiaries will pay IHT without making a valuable outright gift – something you might
be reluctant to do if the potential recipients are quite young or might take an irresponsible
approach to a substantial sum of money, for example.
Passing on wealth
The trust allows wealth to be passed on in a tax-efficient manner under the control of the
trustees, who can include the settlor. There are different types of trust. Some give the trustees
very little discretion, but can be useful when the aim is to establish the future use of assets. For
example, a Will trust could give a widow the right to certain income, with the capital passing to
any children on her death.
Other trusts, known as discretionary trusts, allow the trustees to retain control of the assets
under the terms of the trust, which set out when and what the beneficiaries receive. They can
also allow the trustees to react to changes in the beneficiaries’ circumstances. Again, the settlor
can be named as a trustee.
Bare (Absolute) trusts
With a bare trust you name the beneficiaries at the outset and these can’t be changed. The
assets, both income and capital, are immediately owned and can be taken by the beneficiary at
age 18 (16 in Scotland).
Interest in possession trusts
An interest in possession trust is one where the beneficiary of a trust has an immediate
and automatic right to the income from the trust after expenses. The trustee (the person
running the trust) must pass all of the income received, less any trustees’ expenses, to the
beneficiary. The beneficiary who receives income (the ‘income beneficiary’) often doesn’t
have any rights over the capital held in such a trust. The capital will normally pass to a
different beneficiary or beneficiaries in the future. Depending on the terms of the trust, the

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contact details and regulatory details here.
Embedded links to your website address and email address here. Colour themed to match your branding.
trustees might have the power to pay capital to a beneficiary even though that beneficiary
only has a right to receive income.
Discretionary trusts
Here the trustees decide what happens to the income and capital throughout the lifetime of
the trust and how it is paid out. There is usually a wide range of beneficiaries but no specific
beneficiary has the right to income from the trust.
As pArt of our service we Also tAke the time to understAnd our
client’s unique needs And circumstAnces, so thAt we cAn provide
them with the most suitAble weAlth protection solutions in the
most cost-effective wAy. if you would like to discuss the rAnge of
services we offer, pleAse contAct us for further informAtion.
This is for your general information and use only and is not intended to address your
particular requirements. It should not be relied upon in it’s entirety and shall not be deemed
to be, or constitute, advice. Although endeavours have been made to provide accurate and
timely information, Goldmine Media cannot guarantee that such information is accurate as
of the date it is received or that it will continue to be accurate in the future. No individual
or company should act upon such information without receiving appropriate professional
advice after a thorough examination of their particular situation. We cannot accept
responsibility for any loss as a result of acts or omissions taken in respect of any articles.
Thresholds, percentage rates and tax legislation may change in subsequent Finance Acts.