Introducing a unique partnership that will grow your business.

This is your opportunity to create income streams that add real value to your business whilst enhancing

existing client relationships.

Consider the following...

Increase your earnings from your current client

bank by introducing a new service.

Add to your existing client base with referrals from

this new service.

A partnership with us keeps you in contact

with your clients through each stage of their life.

An established reputation

Countrywide Tax & Trust Corporation is an established group

of companies whose range of products and services are

second to none. Many of the services offered are completely

unique to Countrywide with strategies which are tailor made

to suit the needs of the client and ensure that they benefit

from an holistic approach to their estate planning needs.

The Directors and founders of Countrywide Group,

Bob Massey and Clive Ponder, have been in business

individually for many years, providing their clients with

estate planning solutions. In 2002 they decided to combine

their expertise in this field and the Countrywide Group

of companies was established.

Countrywide Tax & Trust Corporation specialise in asset

protection strategies and unlike most Will Writing companies,

it’s Directors and Principals are members of S.T.E.P.

(The Society of Trust and Estate Practitioners).

Since 2002, Countrywide has continued to grow and has

become an extremely successful company nationally, working

mainly with Accountants and other professional advisors.

As the news of our success spreads the business continues to

grow and the demand for our products and services increases.

With so few people having even a basic Will in place let

alone the correct Will and estate planning, the demand for

our services is vast.

Your clients care very much about the wealth they have

amassed over the years and want to ensure that it is

passed onto their loved ones and protected for generations

to come.

Countrywide have a range of products and services

which are designed to do just that!

A unique partnership

Most Accountants, and other professional bodies work

extremely hard providing their clients with the means to

build up their wealth only to fall short at being able to

provide the correct strategies to protect these same hard

earned assets against attack from care costs, further taxation,

future divorce or separation and creditors / bankruptcy.

Working alongside Countrywide, you will be able to provide

your clients with unique estate planning strategies which

ensure that their hard earned assets are protected for

future generations, setting you head and shoulders above

your competitors.

Countrywide do not just offer death planning strategies,

but also planning throughout the client’s lifetime.

Areas of expertise include personal planning,

Business Succession strategies, and Agricultural Planning.

Our estate planning solutions are tailor made to suit every

set of personal circumstances and every pocket.

Countrywide’s expertise in strategic lifetime planning

will enable you to realise the full potential within your

existing client base.

Some basic facts

Everyone should have a Will

2 out of 3 people have not yet made a Will and those that have may not have the correct Will in place.

Approximately 70,000 people per year lose their home to pay for Long Term Care.

A large proportion of any inheritance is lost in future divorce settlements, to creditors or bankruptcy and unnecessary taxation.

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Why allow this constant stream of income to be lost to high street Solicitors?

Many clients believe that Solicitors are the confirmed experts

in Will writing, and so choose to use them to have their own

Wills drafted. However, this is not always the case and it is a

frightening fact that, 95 out of every 100 Wills examined,

do not do the job the clients want it to do!

Too many Wills do not deal with actually “protecting” the client’s

assets. We at Countrywide believe this to be of paramount

importance to the client.

Countrywide provide clients with a Free review of their existing

Will and we have never seen a Will yet, which could not have

been improved upon.

Our range of products and services are second to none and our

Trusts all have Q.C’s opinion, yet we ensure that our prices are

extremely competitive, providing real value for money and a new

source of income for you.

Couple come together – buy a house and perhaps marry

/ enter a civil partnership. They would now need new

Wills to replace any existing Wills as these would have

been revoked on marriage / civil partnership. The new

Wills should protect their home and assets from attack

from creditors, bankruptcy and subsequent remarriage

of the survivor.

Children are born - now need to consider making

provision for the children – Guardians will need

appointing and assets such as Life Assurance

policies / Pension Death in Service Benefits /

house and savings need protection with Trusts.

This ensures children benefit from 100% of

their inheritance and cannot be included in any

future divorce settlements or lost to creditors /

bankruptcy.

Remarriage - On marriage all previous Wills

are automatically revoked. Again the client’s

situation needs to be reviewed. There may

be step children at this point and each party

will want to ensure that their own bloodline’s

inheritance is protected. Care planning should

be considered at this point to protect both

property and savings from care costs.

Powers of Attorney need to be established.

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Possible divorce - In the event

of the parents’ divorcing their

Wills remain valid. New estate

planning needs to be devised to

ensure each individual’s assets

benefit the children solely.

Loss of a loved one – whether it be partner

or relative. Probate needs to be dealt

with and the beneficiaries will require

advice on how to ensure they can receive

their full inheritance and ensure that it is

protected against attack from care costs

and protected against claims from future

generation’s divorce settlements, creditors

/ bankruptcy and further taxation.

Countrywide’s expertise in cradle to cradle strategies

ensures the protection of assets throughout generations.

Client protection - your client, always.

We guarantee that the client remains your client ALWAYS and we will never

breach this agreement.

Further opportunities for you

There are many other opportunities available to you by

using our products and services. Probate is a much needed

service which we can provide to your clients. We charge a

Fixed Fee of 1.5%, offering a great saving over Banks and

Solicitors who typically charge between 3 and 5%.

Investment opportunities often arise from Probate cases and

Deeds of Variation, providing further income in addition to

what you will receive for introducing the Probate client to

Countrywide. The beneficiaries may also require new estate

planning to protect their inheritance.

One way of ensuring that your clients benefit from our

competitive and valuable Probate Service is to have

Countrywide appointed as the client’s Executor.

Appointing Countrywide as Professional Trustees will also

ensure that monies entering the Trusts after death are dealt

with as tax efficiently as possible and can also lead to further

investment opportunities.

Having the clients documents placed into storage with

Countrywide ensures that we and most importantly, you, are

always advised of any changes in the client’s circumstances

and provides you with an additional stream of renewal

income each year.

Which route is right for you?

How you can receive an extra income from Will and

Trust sales.

Option AAppoint one of our qualified

Estate Planning Consultants

to service your client bank

and benefit from a new

source of income.

We can train a an existing

member of your team,

(or help you to recruit a new one),

to become an Estate Planning Consultant,

so that your Company can benefit

from both a new income stream

and new clients gained

from this market.

“Opportunities” TrainingWe can train your staff to

recognise these when talking to clients

“ Our partnership with Countrywide has enabled us to extend theservice offered to our clients and has not only increased the income received into the practice, but raised our client’s perception of the level of professionalism provided to them by Thorne Widgery and ultimately has led to client retention ”

Andrew Edwards ACIB – Thorne Widgery Chartered Accountants.Hereford.

Option B

The possibilities are endless

Cross Option Agreements

This is essential business succession advice for your clients and

unlike most standard cross option agreements the planning

is extended to ensure that the life assurance benefits do not

enter either the surviving business partner’s estate or estate of

the surviving spouse / beneficiary of the deceased partner by

using Shareholders Trusts.

Business / Agricultural Trusts

Trusts are established to receive business or agricultural

assets which have Business Property Relief or Agricultural

Property Relief. Multiple Trusts would be set up to ensure

that on the sale of a business or farm, periodic and exit

charges are minimised.

Probate

Countrywide Tax & Trust Corporation Ltd has a dedicated

Probate Department which guides and assists with the

clients’ probate needs, as much as required. Offering a very

competitive price (fixed Fee) in comparison to High Street

solicitors and Banks.

Deed of Variation

Deeds of Variation are still a much valued tool in estate

planning. The advantages gained in reducing generation IHT,

protecting assets from care and protecting the deceased’s assets

from being attacked by the divorce of any of the beneficiaries,

should not be overlooked when giving advice, where the

deceased’s will did not originally provide this protection.

Family Trusts

The Family Trust is a Discretionary Trust established outside of

the Will. Having the Family Trust outside of the will allows for

multiple discretionary trusts to be settled by the Will but dated

on different dates to take advantage of Rysaffe conditions.

Interest in Possession

The interest in possession trust is used to receive the excess

or residue of the will. Generally only used for married

couples. Countrywide’s Interest In Possession (IIP) trust is

able to act as an actual IIP trust as it settled by a will and

thus falls in to the IPDI in IHT Act 1984.

The assets placed into the IIP trust are still in the survivors

estate for the calculation of IHT on the death of the surviving

spouse, but not attackable by care costs for the survivor or

remarriage of the survivor.

Gift Trusts / Reciprocal Gifting

Trusts can be used to protect gifts for the client’s bloodline.

We can also consider reciprocal gifts between husband and

wife (civil partners) so that two Nil Rate bands can be gifted.

Absolute Trusts

Used to assist with Capital Gains Tax mitigation with property

notably in parents / children’s ownership but not resided

in by the owner and so unable to use Principle Private

Residence Relief.

Multiple Trusts

Tailor made planning can be administered by the use of

multiple trusts. In order to plan against and avoid future

periodic charges (Rysaffe) Pilot trusts must be established

on different dates.

Estate Planning Reports

We are able to provide your clients with tailor made Estate Planning

Reports considering onshore and offshore planning strategies.

Conveyancing

Using our own in house Solicitor for any conveyancing work

required ensures continuity with the client and the smooth

running of any estate planning or Probate cases.

Deed of Severance

Used to establish property as Tenants in Common from being

held as Jointly Owned. This includes the registration at the

appropriate Land Registry

Professional Trustees

By appointing Countrywide as a Trustee we ensure that the

beneficiaries of the trust benefit from the best tax and estate

planning advice to protect their inheritance and any investment

advice will be provided to the clients by you, if qualified to

do so, or by a financial advisor and you will be remunerated

from the commission.

Executor

Appointing Countrywide as Executor will ensure that we

undertake the probate for the deceased’s estate (at a highly

competitive fixed fee of 1.5%) which again you will be

remunerated for and which ensures the correct type of

planning is put into place for the beneficiaries as well as

providing further opportunities for investment advice.

The list of products and services are not limited to estate planning, here are just a few of the more

sought after schemes that Countrywide can provide:

Typical estate planning solution for married / civil partners estate valued over two nil rate bands

For more information please contact us on 01926 514390 or visit www.countrywidegroup.co.uk

Interest InPossession Trust

Receives the excessabove Nil Rate Band

Interest InPossession Trust

Receives the excessabove Nil Rate Band

Family Trust 1Legacy up toNil Rate Band

Family Trust 1Legacy up toNil Rate Band

The beneficiaries have access to the Trust funds but Countrywide ensure that these assets do not enter their estates and so are protected from attack by the following:

Marriage After Death - MAD

Placing half of the family home and other

assets into a Trust on first death ensures that,

should the surviving spouse remarry in the future,

those assets cannot be taken into the second

marriage and removes the threat of your own

children being disinherited. The survivor is still able

to use the assets in the trust.

Divorce

Placing the assets into Trust ensures that,

if your children / chosen beneficiaries are

subject to divorce proceedings then what you

intended them to receive is protected from

any divorce settlements.

Care

Holding the assets in the trust ensures that they do

not add onto the beneficiaries’ own estate and so

cannot be assessed for their care costs.

Creditors or bankruptcy

Similarly, if any of your beneficiaries are subject

to creditor claims / bankruptcy then their

inheritance would not be exposed to these claims.

Further or Generational IHT

Holding the assets in the trust ensures that they do

not add to the beneficiaries’ estate and impact on

their own Inheritance Tax. (see Technical Sheet

6: Generational IHT)

On first death, the deceased’s share of the property is passed into their Family Trust via the Will.

The surviving spouse continues to live in the property and is still able to move home if they choose to do so.

In the event that the survivor enters care, the survivor only owns a half share of a house. Section 7.019 of the CRAG Regulations confirms that the value of a half share of a house is effectively NIL for the purposes of assessment for care .

Clients choose the beneficiaries of the trusts, typically, spouse, children, grandchildren, etc.

Clients also choose the trustees, who are responsible for managing the trust funds. The strategy of managing the trust funds is

vital to maintain the protection provided by the trusts. Appropriate management can ensure that the funds remain protected from

divorce/separation, creditor claims and long term care whilst access to funds is maintained for the beneficiaries.

Abbotsfield House,

43 High Street,

Kenilworth,

Warwickshire CV8 1RU

England

Tel: 01926 514 390

Fax: 01926 514 394

www.countrywidegroup.co.uk