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Parents and Grandparents

Parents

Parents - SFIA

The one aspect that all parents want, is to give their child the best start in life, whether that mean an independent education will often be driven by many factors one of which is affordability.

We help all parents understand the limits that can be reached and quantify the savings that are possible using our expertise.

It is often a huge surprise at how accessible and affordable an independent education could be once we have discussed your situation and our service.

Whether employed, self employed, middle or senior management we are confident we will have a plan to significantly help.

Grandparents

We are Also receive a lot of interest form grandparents who want to help in the funding of their grandchildren's school fees.

Due to previous generations having valuable pensions and the property boom generations, a rising proportion of grandparents are sitting on capital wealth that will be taxed upon their death at 40, due to the UK Inheritance Tax regime. In some case we can use this capital to ease the financial burden of school fees in an Inheritance tax friendly manner.

Many grandparents prefer to help their families while they are still alive rather than just leaving inheritance.

Grandparents may pay school fees out of their income without any risk of future Inheritance Tax (IHT). They may also convert a lump sum to a guaranteed tax free income to cover or contribute to the cost of school fees.

£3000 may be paid per year from savings without IHT and any gift is immune from tax if they survive a further 7 years.

Grandparents have some tax advantages over parents when it comes to arranging trusts. They can provide income for private education through a trust where the fund's income tax is charged to the child rather than the grandparent. A parent cannot transfer income tax in this way.

SFIA can help grandparents fulfil their plans in the most cost effective manner.

Parents and Grandparents

Parents

Parents - SFIA

The one aspect that all parents want, is to give their child the best start in life, whether that mean an independent education will often be driven by many factors one of which is affordability.

We help all parents understand the limits that can be reached and quantify the savings that are possible using our expertise.

It is often a huge surprise at how accessible and affordable an independent education could be once we have discussed your situation and our service.

Whether employed, self employed, middle or senior management we are confident we will have a plan to significantly help.

Grandparents

We are Also receive a lot of interest form grandparents who want to help in the funding of their grandchildren's school fees.

Due to previous generations having valuable pensions and the property boom generations, a rising proportion of grandparents are sitting on capital wealth that will be taxed upon their death at 40, due to the UK Inheritance Tax regime. In some case we can use this capital to ease the financial burden of school fees in an Inheritance tax friendly manner.

Many grandparents prefer to help their families while they are still alive rather than just leaving inheritance.

Grandparents may pay school fees out of their income without any risk of future Inheritance Tax (IHT). They may also convert a lump sum to a guaranteed tax free income to cover or contribute to the cost of school fees.

£3000 may be paid per year from savings without IHT and any gift is immune from tax if they survive a further 7 years.

Grandparents have some tax advantages over parents when it comes to arranging trusts. They can provide income for private education through a trust where the fund's income tax is charged to the child rather than the grandparent. A parent cannot transfer income tax in this way.

SFIA can help grandparents fulfil their plans in the most cost effective manner.

Why Choose SFIA

There is nobody else in the marketplace that can offer the experience, specialisation and range of solutions we offer - read more

School Fees Calculator

Find out how much you can save on your school fees Try Free Calculator

Why Choose SFIA

There is nobody else in the marketplace that can offer the experience, specialisation and range of solutions we offer - read more

School Fees Calculator

Find out how much you can save on your school fees Try Free Calculator