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- IHTInvestment type
ESP Business is designed for business owners looking to maintain or improve tax efficiency in either their existing business or using the proceeds of a business sale. This service could be relevant for you if your business has: excess capital and you are concerned that it may not qualify for certain tax reliefs; or realised a capital gain upon sale; or been sold and you wish to maintain inheritance tax efficiency. You will be provided access to asset-backed business activities which seek to qualify for a range of tax reliefs including Business Relief, which offers 100% relief from Inheritance Tax. You will have full control over the selection of our qualifying business activities so that your portfolio can be tailored to suit your investment objectives.
Application Process Update
In light of events happening around the world, managers have been revising their application acceptance procedures in close co-ordination with Custodians to ensure applications and funds are processed efficiently. Applications no longer need to be sent in the post to process wet signatures. Once you've submitted your application through CoInvestor, a member of staff will contact you directly with the managers simple instructions on who to send your scanned application to.
- 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.
The ESP Business Service can be accessed via two strategies: Maintain and Enable.
Your existing company will make investments across our range of qualifying business activities. This strategy is designed for active business owners who are: concerned about exceeding working capital rules and the effect this may have on the tax-efficiency of their business assets; or considering turning an investment business into a trading business to qualify for additional tax reliefs.
The proceeds from the sale of your business will be used to create a new Company (or Companies) which in turn make investments across our range of qualifying business activities. This strategy is designed for business owners who have recently sold all or part of a business and are seeking to: mitigate or defer capital gains tax; or maintain inheritance tax efficiency; or benefit from Entrepreneurs’ Relief.
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 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.
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
ESP Business is designed to improve both corporate and personal tax-efficiency and to help you pass on capital to your beneficiaries. For this reason capital preservation is at the heart of the objectives of this service.
Using your family company or creating a new Company, your capital will be employed in qualifying business activities to enable it to benefit from Business Relief. Whichever strategy you choose, you will: retain full control of and access to your capital; and use a company structure that you are familiar with.
If you are also interested in the Stellar ESP Business Maintain Service for company applications please contact Stellar Asset Management.
Applicants should consider the following key risk factors which on their own or together could have a material adverse effect on an investment in ESP Business. An expanded list can be found in the ESP Business brochure.
An investment in ESP business requires a long-term commitment with no certainty of any investment return and the risk of loss of capital. Trading investments are illiquid and may take months or years to realise and may impact on the Investor's investment if the asset cannot be sold at a beneficial price.
Shares in an ESP Business company will be unquoted, there will be no market for Shares and it is unlikely that any public market will emerge in future.
There is no market for an Investor's portfolio of qualifying business activities in ESP Business and it is unlikely that any public market will emerge in future.
Any downturn in the market of relevant qualifying business activities could adversely affect the value of the Investor's investment in ESP Business.
An Investor's portfolio may we comprised of a limited number of qualifying businesses and one qualifying business activity may make up a significant percentage of portfolio.
The business of identifying suitable qualifying business activities for investment is competetive and involves a high degree of uncertainty.
Changes to legislation or regulations may adversely affect investment performance.
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.