Mark & Lisa, Ben & Michelle
Mark and Lisa were keen to include their grown up family in the financial planning process from the outset.
This allowed us to have an active planning process, with both donors and recipients in full knowledge of the overall objective.
In working with their daughter, Michelle and her family, and their son, Ben and his wife, we have transparency through the generations and as a result passed some of the assets directly to grandchildren.
Mark had an extensive share portfolio that had significant capital gains tax issues. Over a period of years we reduced the portfolio, making gifts to the family where possible and re-investing. These tax efficient investments not only provided him with a sustainable income.
We work with all three generations and hope to do so for many years to come.