Fact Finding

What is your personal status?*
- Married or civil partnership
- In a relationship with a life partner
- None of the above
In the event of your death or serious illness, is your spouse or life partner the person you would wish to protect and prioritise first?
- Yes
- No
Spouse / Partner Name
Date of Birth
DD slash MM slash YYYY
Spouse / Partner income (other than from property rental)
Does your spouse directly participate in your property rental business in terms of work and/or investment?
- Yes
- No
Spouse / Partner Occupation

How many children do you have?*
What are the names, ages and incomes and occupations of your children?
This information is necessary for us to consider business continuity, legacy planning and your retirement options. If you have adult children and you don't know how much they earn, please provide a rough guess at this stage.
Do your children currently have an active roll in your property letting business?
- Yes
- No
Would you like your children to take a more active roll in the business at some point?
- Yes
- No
Is anybody else an investor in the rental property business?
- Yes
- No
Do you have any other friends of family members who you would like to be involved in your lettings business at some point?
- Yes
- No

Do you currently use a letting agent to manage any of your properties?
- Yes
- No
Might you consider using a letting agent to manage your UK rental properties at some point in the future?
- Yes
- No

Do you have any income (other than from property) which is taxable in the UK?*
- Yes
- No
Please provide more details of your other UK taxable income
Examples might include pension income, salary from employment , dividend income from other businesses, etc. The more information you can provide the better, e.g. "I am an airline pilot, my salary from that job is £87,000 a year and I also pay myself a dividend from another business of £2,000 a year."

You mentioned earlier that you own some rental properties in a Limited Company or Family Investment Company structure, is that correct?*
- Yes
- No
What is the full name of the company?
What is the total gross value of properties owned in this company?
What are the total liabilities of this company?
Do you currently have a shareholders agreement in place?
- Yes
- No
Do you own any overseas properties
- Yes
- No
Please provide details of the overseas property, e.g. type of property, value, mortgage outstanding, how you use this property etc.
You mentioned earlier that you operate at least part of your rental property business through a Limited Liability Partnership (LLP) is that correct?
- Yes
- No
Who are the Designated Members of the LLP?
Who are the Non-Designated Members of the LLP?
Why did you decide to operate your business through an LLP structure??

Do you own a UK home?*
- Yes
- No
What is the approximate value of your UK home?
Do you have a mortgage on your UK home?*
- Yes
- No
Approximately how much is the the outsanding balance of the mortgage secured on your home?
Equity in your home (auto-calculated) in £
UK Home mortgage LTV % (auto calculated)
Approximate net value of pension fund
Approximate value of other liquid investment, e.g savings, shares, crypto currency etc
Approximate net value of any other assets not already mentioned

What would you like to think will happen to the business when you die?
- The business will be sold by my beneficiaries as a going concern
- My beneficiaries will own and operate the business
- My beneficiaries will own the business but outsource the management
- My beneficiaries will sell all UK rental properties and dismantle the business
- Other
Have you made any plans to enable your beneficiaries to repay mortgages AND to be in a position where they can be confident of arranging new financing and paying IHT before they are able to inherit your estate upon your death?
- Yes
- No

Action Point One
Based on the information you have shared so far, we highly recommend a review with Insight Financial Associates who specialise in FCA regulated advice on:
- Insurance protection – to help mitigate risks identified in your Fact Find
- Liquid investments – to optimise returns on cash reserves (e.g. following property sales or releasing capital)
- Pensions – including planning considerations such as changes to IHT rules, holding commercial property, risk mitigation, and optimising returns on cash balances
There is no initial cost for this service.
Would you like us to organise a zero cost Financial Adviser call?**
- Yes, please share my Fact Find with Insight Financial Associates
- I do not wish to take advantage of this referral

Action Point One