Step 1 of 6 - Life Cover
What state is your Will in?*
- All ok
- Needs attention
- Urgent!
Do you have sufficient mortgage cover (death & critical illness)?*
- Yes to both
- Partly
- Don't know
Are all of your loans covered in the event of your death?*
- Business & personal yes
- Business only
- Don't know
Do you have sufficient available cash to see you through illness?*
- Yes
- Don't know
- No
Is your income protected in the event of long-term disability?*
- Yes
- Don't know
- No
Have you protected your family’s income in the event of your own death?*
- Yes
- Don't know
- No
Is there financial provision for childcare in the event of death or serious illness of a non-earning spouse or partner?*
- Yes
- Don't know
- No
Do you have adequate private healthcare?*
- Yes
- Don't know
- No
Have you recently reviewed your life cover needs?*
- Yes
- Don't know
- Not at all
Are there sufficient funds in place to purchase the business of deceased or critically ill partners?*
- Yes
- Don't know
- None

Step 2 of 6 - Mortgage
Are you sure you’ve got the best mortgage?*
- Yes
- Don't know
- No
Do you have sufficient mortgage cover (death & critical illness)?*
- Yes to both
- Only one of these
- Don't know
Have you recently reviewed your life cover needs?*
- Yes
- Don't know
- Not at all
Do you think you will have enough money to repay your mortgage when the time comes?*
- Yes
- Don't know
- No
Have you reviewed your mortgage deal recently?*
- Yes
- Don't know
- No
Have you got the right type of mortgage for your needs?*
- Yes
- Don't know
- No

Step 3 of 6 - Retirement
Do you have a recent projection of Pension Benefits?*
- Yes
- Don't know
- No
Are your pensions on target to retire when you want to?*
- Yes
- Don't know
- No
Have you used your maximum pension contribution allowance?*
- Yes
- Don't know
- No
Are you getting the best returns on your savings?*
- Yes
- Don't know
- No
Are pension/investment risk levels appropriate?*
- Yes
- Time to review
- Definitely not
Are you satisfied with the performance of your pensions/investments?*
- Yes
- Would like to review
- Definitely not
Have you considered alternative investment strategies to pensions?*
- Yes
- Don't know
- No

Step 4 of 6 - Personal Tax Planning
Do you have a personal tax plan?*
- Yes
- Don't know
- No
Have you reviewed the possibility of allowances claims?*
- Yes
- Don't know
- No
Have you ensured income is paid gross to non tax paying members of the family?*
- Yes
- Don't know
- No
Have you considered the use of trusts to fund children through higher education?*
- Yes
- Don't know
- No
Have you done a self employed vs. employed review?*
- Yes
- Don't know
- No
Have you reviewed your pension contributions?*
- Yes
- Don't know
- No
Have you reviewed your savings and investments for tax efficiency?*
- Yes
- Don't know
- No
Have you done a risk review of your savings and investments?*
- Yes
- Don't know
- No
Have you got tax investigation fee protection?*
- Yes
- Don't know
- No

Step 5 of 6 - Inheritance Tax Planning
Do you know the value of your estate on death?*
- Yes
- Don't know
- No
Have you prepared a tax efficient will?*
- Yes
- Don't know
- No
Have you considered giving life time gifts?*
- Yes
- Don't know
- No
Have you used your life time transfer exemptions?*
- Yes
- Don't know
- No
Have you used your annual exemption?*
- Yes
- Don't know
- No
Have you considered transfers between spouses?*
- Yes
- Don't know
- No
Have you considered the use of Trusts to mitigate IHT effects?*
- Yes
- Don't know
- No

Step 6 of 6 - Capital Gains Tax
Have you reviewed all business and personal assets recently and do you know what your CGT liability is on disposal?*
- Yes
- Don't know
- No
Have you planned for use of your annual exemption?*
- Yes
- Don't know
- No
Have you considered holding assets personally rather than in the business?*
- Yes
- Don't know
- No
Have you reviewed personal and business reliefs and exemptions?*
- Yes
- Don't know
- No
Have you thought about using Trust Structures to minimise tax liabilities?*
- Yes
- Don't know
- No
Have you looked at alternative asset holding vehicles (e.g. Pension funds)?*
- Yes
- Don't know
- No
Have you reviewed whether any other elections could benefit you?*
- Yes
- Don't know
- No
By ticking this box you agree to being contacted via email or phone by one of our Advisers, and for the information you provide us with to be kept securely for future communications in line with the new GDPR*
- Yes, I agree
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Kings Lodge, London Road,
West Kingsdown, Nr. Brands Hatch,
Kent TN15 6AR

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Institute of Chartered Accountants

A4G LLP are a registered Limited Liability Partnership. Registered in England and Wales. Company number OC320365. Registered office address: Kings Lodge, London Road, West Kingsdown, Sevenoaks, Kent, TN15 6AR. Regulated by the Institute of Chartered Accountants in England and Wales for a range of investment business activities. The members are Malcolm Palmer FCA, A4G Equity LLP and A4G Management LLP. Audit services are provided by an associate: A4G Audit Limited. Registered in England and Wales. Company number 03824057. Registered office address as above. A4G Audit Limited is registered to carry on audit work in the UK by the Institute of Chartered Accountants in England and Wales. The director is Malcolm Palmer FCA. Designations that include the terms ‘Partner’ or ‘Principal Adviser’ are not registered members, directors or principals of the registered A4G entities.

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Step 1 of 6 - Life Cover

Step 2 of 6 - Mortgage

Step 3 of 6 - Retirement

Step 4 of 6 - Personal Tax Planning

Step 5 of 6 - Inheritance Tax Planning

Step 6 of 6 - Capital Gains Tax

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