Stellar AiM Inheritance Tax Service - APS

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  • £20,000.00
    Min. investment
  • Generalist
    Sector
  • IHT
    Investment type

This service provides authority to the current ISA manager of the deceased to transfer the APS Allowance to Stellar on behalf of the surviving spouse or civil partner.

Stellar AiM is a simple estate planning solution held in an ISA so you keep your existing ISA benefits whilst protecting your capital from IHT. We invest in a diversified portfolio of 40 companies quoted on the Alternative Investment Market (AiM). Our estate and succession planning services enable your capital to qualify for Business Relief. You and your family will benefit from 100% inheritance tax relief provided that the portfolio is held for a minimum of two years and at the time of death. Our investment adviser launched its AiM portfolios for private clients in January 2008 and we have offered this portfolio to our clients since 2014. Since then our clients have experienced portfolio performance ahead of the market.

Highlights

  • You continue to own and have access to your capital.
  • The services offer medium term capital growth potential.
  • Your capital can be insured to protect against any loss of value.
  • Our services are diversified across a wide range of asset classes to protect against market risk.
  • Transparent fees and a clear investment strategy.
  • Thoroughly researched investments, compliant with all current legislation.

Investment strategy

Stellar AiM is a discretionary managed service, designed to provide investors with IHT relief after two years. The portfolio is one of the most diversified on the market and is made up of 40 AiM quoted companies, all of which qualify for Business Relief and aims to provide investors with a blend of capital preservation and growth whilst reducing volatility. AiM currently comprises some 950 quoted companies with a combined market capitalisation of £100bn. We exclude a substantial portion of these companies from our portfolio because either they have small market capitalisations and or demonstrate higher levels of volatility.

Key attributes we seek:

Uncomplicated business model

Management commitment

Market valuation and liquidity

Quality of shareholder base

Strength of the company's balance sheet

Our portfolio contains companies that have been carefully selected using a ‘bottom up’ approach; based on fundamentals as opposed to satisfying any predetermined category definitions or weightings.

Key team

Jonathan Gain - Chief Executive

Jonathan has been involved in financial services since 1993 when he graduated from Bournemouth University with a BA (Hons) in Accountancy. He joined the then newly formed Close Brothers Investment Limited in 1993 and was appointed Finance Director just five years later in 1998. In his role he was responsible for overseeing its property investment funds and numerous tax planning products, before becoming Managing Director in 2005.


When he left to set up Stellar, it had approximately £1 billion of funds under management. Drawing on his wide-ranging experience, Jonathan established Stellar Asset Management in 2007 along with the former founder of Close Brothers Investment Limited and two other colleagues. Jonathan remains the majority shareholder.


Outside of work he enjoys organising and participating in charity events, particularly sponsored cycle rides. He is a keen Manchester United supporter, as you would expect from someone who lives in the south! He also treats himself to a few days off work during the year to watch live cricket matches so he can follow the ups and downs of England’s test cricket team.

Matthew Steiner - Business Development Director

Matthew has worked in the financial services industry since he graduated from Kingston University in 1997.


He trained as a financial adviser in London and completed his financial planning certificate (FPC) to level III. He joined the property division of Close Brothers Investment Limited in January 2000, and by the end of his tenure was the senior Business Development Manager for its range of tax efficient products and property investment funds.


After a short sabbatical in Nepal, as a volunteer teacher seconded to an orphanage in Pokhara, he worked on a consultancy basis with Tri-investments and Downing Corporate Finance before joining Stellar as a director and shareholder in 2012.


Matthew has been instrumental in both developing and simplifying Stellar’s estate planning proposition and communicating this to the advisory community.

Daryl Hine - Chief Operating Officer

With over 30 years business experience and a proven track record in financial services, Daryl has provided both strategic insight and operational leadership across a range of businesses.


He has experience with multinational PLCs and start ups but has a passion for SME’s – particularly the people side of the team. He enjoys getting to the essence of any problem, whether it’s team building, lead generation or product development related, and working with the right person to come up with the right solution.


His qualifications include holding a Diploma in Neuro Linguistic Programming (NLP) as well as an MBA in Business Administration and Management from Lancaster University – one of the UK’s top 3 business schools.


Outside work and education, Daryl is a keen globetrotting traveller and loves all things tech, especially when keeping an eye out for the next big market disrupter.

Products and services

Stellar AiM is a simple estate planning solution with the following key features:

Tax-efficient: IHT relief after two years and can be held in an ISA

Diversified: Portfolio of forty AIM quoted companies

Control: Investments made in your name so you keep full control

Transparent: Simple investment strategy and fee structure

Growth: Strong perfomance history over nine years

Documents

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Invest now

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The content above has been provided by Stellar Asset Management Limited who are authorised and regulated by the Financial Conduct Authority under firm registration number 474710.