Estate Planning, Inheritance Tax and Long Term Care Provision.

GSL Financial Consultants Ltd are fully qualified Independent financial advisers who can provide advice on Estate Planning, Inheritance Tax and Long Term Care Fees.

Planning your estate and other financial affairs may seem like a daunting task. By doing this now, you can ensure peace of mind for you and your loved ones and could even save money in the long term through careful financial planning.

Inheritance Tax is the tax that must be paid on the total value of the estate (the property, money and possessions) of someone who’s died. It is charged at 40% of the value above the personal Nil Rate Band, this is currently £325,000 (2023/24). This Tax must be paid before any of the money or assets in your estate can be released to your beneficiaries. However, you can usually pass a home to your husband, wife or civil partner when you die with no Inheritance Tax to pay.

You may also qualify for an Additional Nil Rate Band currently £175,000 (2023/24). This is available when a residence is passed on death to a direct descendant, any unused portion may be transferred to a surviving spouse or civil partner.

Financial Advice can help clarify this complex area of taxation.

Estate Planning is financial planning that includes strategies to protect your assets now, in the future and for future generations. It is a long term approach to asset protection that also takes into account the certainty of death and the possibility of illness or disability.

Most of our clients are healthy and measure their life expectancy in decades. We expect to work with them for decades too, helping them to update and adjust their inheritance plan, taking into account changes to tax laws and their own financial circumstances. Our estate planning advice will always be tailored to your personal circumstances and wishes.


Tax treatment is based on individual circumstances and may be subject to change in the future.

Information is based on our current understanding of taxation legislation and regulations. Any levels and bases of, and reliefs from taxation, are subject to change.

Long Term Care - Paying for care in your old age can diminish a lifetime's worth of hard work, thrift and saving. If it is judged that you have the means to pay for your own care home fees, then you will be required to do so, even if it means selling your family home to do it.
Planning for care home fees and keeping your home in your family can be achieved with careful financial planning. Our Advisers hold specialist Long Term Care qualifications (CF8) in order to help you preserve your wealth for your own benefit and that of your family.


Registered in England and Wales.
Registered office:

GSL Financial Consultants Ltd
Ffordd y Morfa,
Black Lion Road,
SA14 6SL

01269 845 900

No - 6230249


Working Welsh