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Cross-Border Worldwide - Tax & Trusts

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Cross-Border Worldwide - Tax & Trusts

Cross-Border Worldwide: Tax, Trusts, & Estate Planning 🌍 Experts with 20+ years of experience.

Cross-Border is a professional services firm, specialising in Estate and Trust Planning, Tax Structuring, Asset Allocation, Real Estate and Foreign Investment Structuring, and Residence & Citizenship Planning.

29/05/2026

💖 Family Trust 💖 £560.00 💖

A Family Trust is a legal arrangement that allows you to hold assets, such as property, investments, or cash, on behalf of your family. The assets in the trust are managed by trustees, and the trust is structured in such a way that it provides benefits to your family members.
This document is tailored to meet your specific needs. It will be mentioned in the Will but will not be fully populated until the death of the settlor. By placing the Family Trust outside of the Will, multiple Discretionary Trusts can be established through the Will, but at different times, to take advantage of the Rysaffe principle. The assets within a Family Trust are safeguarded from negative impacts such as beneficiary remarriage, divorce, creditor claims, means testing for disabled beneficiaries, care fees, and inheritance tax (IHT). Depending on the situation, multiple Family Trusts may be necessary for maximum tax efficiency, and each Trust should receive an amount less than the IHT Nil Rate Band.
Read More 🛍️ https://crossborderworldwide.com/products/family-trust

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27/05/2026

𝗦𝗶𝗻𝗴𝗹𝗲, 𝗦𝗲𝗰𝘂𝗿𝗲, 𝗮𝗻𝗱 𝗣𝗿𝗲𝗽𝗮𝗿𝗲𝗱
Being single often means you have fewer automatic legal protections, not more, yet many people still believe trusts are only for families or the very wealthy.

In our latest article, we break down four common myths and explain why a trust can offer clarity, control, and real peace of mind at any stage of life.

If you want to understand how a trust can protect your wishes, now and in the future, you can read the full piece here. https://www.rfr.bz/fbf012b

22/05/2026

💖 Care Home Fees Reclaim Report 💖 £1500.00 💖

This Care Home Fees Reclaim is a report that aims to help clients recover incorrectly paid care home fees by reviewing eligibility, challenging charges, and securing support entitlement.
This is particularly helpful for individuals who have been overcharged or not received the correct entitlement to financial support from their local authority or the NHS.
Our team of experienced legal and financial professionals can review the individual's circumstances and assess whether they may be eligible for a refund or compensation for the care home fees that they have paid. This can involve reviewing the care home contract, the individual's financial means, and the local authority or NHS funding criteria.
We can also provide advice and support on challenging any incorrect charges or decisions made by the local authority or NHS. This may involve making a formal complaint or appealing a decision to a higher authority.
Clients can potentially save significant amounts of money and receive the financial support that they are entitled to for their care needs.
Read More 🛍️ https://crossborderworldwide.com/products/care-home-fees-reclaim

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18/05/2026

𝗧𝗵𝗲 𝗳𝘂𝘁𝘂𝗿𝗲 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗶𝘀 𝘀𝗵𝗮𝗽𝗲𝗱 𝗯𝘆 𝘁𝗵𝗲 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲𝘀 𝘆𝗼𝘂 𝗽𝘂𝘁 𝗶𝗻 𝗽𝗹𝗮𝗰𝗲 𝘁𝗼𝗱𝗮𝘆.

Estate planning isn’t just a personal exercise. It’s a core part of responsible governance.

From succession frameworks to shareholder protection, wills to trusts, the decisions you make now create stability, continuity, and clarity for the people who rely on you in your family and in your business.

If formalising your plans has been on your list, consider this your reminder: the best time to prepare is before circumstances force your hand.

𝗦𝗲𝗻𝗱 𝘂𝘀 𝗮 𝗗𝗠 𝘁𝗼 𝗴𝗲𝘁 𝘀𝘁𝗮𝗿𝘁𝗲𝗱 𝘁𝗼𝗱𝗮𝘆.

15/05/2026

💖 Will Commentary 💖 £0.00 💖

A Will Commentary is a document that accompanies a person's will, providing explanations and additional information to assist the executor and beneficiaries in interpreting and carrying out the instructions in the will.
The commentary is a helpful guide to the will, providing clarity and context to ensure that the testator's wishes are carried out as intended. It can also prevent confusion or disputes between beneficiaries or the executor, as it provides additional information that may not be included in the will.
The commentary typically includes explanations of any complex provisions in the will, including trusts or conditions attached to gifts. It may also provide details about the testator's intentions and reasons for including certain provisions in the will.
In addition, the commentary may include information about the executor's duties and responsibilities, as well as any specific instructions for the administration of the estate. This can help ensure that the executor is aware of their obligations and is able to carry out the administration of the estate efficiently.
Read More 🛍️ https://crossborderworldwide.com/products/will-commentary

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13/05/2026

Protect Your Pets with Our Pet Care Estate Plan Bundle! 🐾

As pet owners, we all want to ensure our furry friends are well taken care of, no matter what happens. That's why we've created the Pet Care Estate Plan Bundle—a comprehensive solution designed to give you peace of mind, knowing your beloved pets will always be in safe hands.

Our bundle includes:

Testimentary Pet Trusts: Secure the funds needed for your pet's ongoing care.
Pet Power of Attorney: Appoint a trusted person to make decisions on your behalf if you're unable to do so.
Pet Care Instructions: Provide detailed guidance on your pet’s daily needs, preferences, and medical care.

Watch our video to learn more about how our Pet Care Estate Plan Bundle can safeguard your pet’s future. 📹🐶🐱

Ensure your pet is protected just like any other member of your family. Contact us today to get started! 💼🐾 https://www.rfr.bz/fe11b3c

08/05/2026

💖 Widow's Loan Scheme (Assets) 💖 £700.00 💖

The Widow's Loan Scheme is a term used to describe a specific type of estate planning strategy used in the UK to protect an existing transferrable nil rate band.

When someone dies, their estate is subject to inheritance tax (IHT) on the value of their assets above a certain threshold, known as the nil rate band. The current nil rate band in the UK is £325,000. If someone is married or in a civil partnership, any unused portion of their nil rate band can be transferred to their spouse or partner's estate upon their death. This is known as the transferrable nil rate band.

The Widow's Loan Scheme is a strategy used to protect the transferrable nil rate band. Here's how it works:

The surviving spouse or civil partner takes out a loan for the amount of their unused nil rate band.
The loan is then used to purchase an asset, typically an investment bond.
The investment bond is then held in trust for the benefit of the surviving spouse or partner.
When the surviving spouse or partner dies, the investment bond is paid out to the beneficiaries named in the trust, free from IHT.
The loan is then repaid from the deceased's estate.

This strategy effectively allows the unused portion of the deceased's nil rate band to be used to shelter the investment bond from IHT. However, it is important to note that this strategy is not suitable for everyone, and should only be used after careful consideration and professional advice.
Read More 🛍️ https://crossborderworldwide.com/products/widows-loan-scheme-assets

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01/05/2026

💖 Self Assessment Return incl CGT if necessary 💖 £500.00 💖

A Self Assessment Return is a form that must be completed and submitted to HM Revenue and Customs (HMRC) by certain individuals in the UK each year. These individuals typically include self-employed people, landlords, and those with income from savings, investments, or overseas sources.

The form requires individuals to report their income, capital gains, and other relevant financial information for the tax year. Based on this information, HMRC calculates the individual's tax liability and determines if any tax is owed or if a refund is due.

Self Assessment Returns are usually filed online and have a deadline of January 31st following the end of the tax year. Late filing can result in penalties and interest charges, so it's important to submit the return on time.

To complete a Self Assessment Return, individuals need to maintain accurate records of their income and expenses throughout the tax year.

Read More 🛍️ https://crossborderworldwide.com/products/self-assessment-return-incl-cgt-if-necessary

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10/04/2026

💖 Declaration of Trust for Large Life Policy 💖 £450.00 💖

A Declaration of Trust for a Large Life Policy is a legal document that outlines the ownership and distribution of a life insurance policy among multiple individuals. This document is typically used when a policy is held by more than one person and there is a need to specify the distribution of the policy's benefits in the event of the death of the policyholder.
This Declaration of Trust can provide clarity and certainty for all parties involved, by setting out the specific details of the ownership and distribution of the policy. It is particularly important for those individuals who have a significant interest in the policy, such as a partner, spouse or family member.
The Declaration of Trust can be tailored to the specific needs of the policyholder and the beneficiaries, and can be amended as circumstances change. It is also important to note that while this document may provide clarity and certainty, it does not necessarily override any other relevant legal documents or agreements that may already be in place.
Our recommendations are based on the client's current policy. For clients with one policy, we advise assigning it to a Life Assurance Trust, which is excluded from the estate of IHT. However, we suggest keeping the life cover sums assured well under the NRB to avoid periodic and exit charges after death.
To make the cover more tax-efficient, it's recommended to re-broke where possible and assign multiple policies to multiple trusts. We suggest allocating £250k per trust for growth purposes.
In the event that it is not feasible to re-broke a single life policy with significant sums assured, one option to increase tax efficiency for periodic and exit charges is to assign it in the following manner: x1 deed of assignment (large life policy) to x Declaration of Trusts (large life policy). The required number of Declaration of Trusts is determined by dividing the value per policy by £250k.
These trusts must be registered with HMRC.
Read More 🛍️ https://crossborderworldwide.com/products/declaration-of-trust-for-large-life-policy

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03/04/2026

💖 Deed of Variation (Absolute) 💖 £640.00 💖

A Deed of Variation in the Absolute is a legal document that allows beneficiaries of an estate to vary the distribution of assets left to them by the deceased, even if they are not themselves the executors or administrators of the estate. This means that the beneficiaries can alter the way the assets are distributed among them or to other individuals or trusts.
A Deed of Variation in the Absolute must be executed within two years of the death of the deceased, and it is subject to various conditions and limitations set out in the Inheritance Tax Act 1984. One of the main benefits of a Deed of Variation in the Absolute is that it can be used to reduce the amount of inheritance tax payable by the beneficiaries, by redirecting assets to other individuals or trusts that may be exempt from or subject to a lower rate of inheritance tax.
Read More 🛍️ https://crossborderworldwide.com/products/deed-of-variation-absolute

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