Royal Crest Growth Estate Planning Service

For investors who want their estate planning to keep working harder: targets relief from inheritance tax after two years while pursuing higher long-term growth through asset-backed trading businesses.

5–7%

Target return p.a., net of fees (not guaranteed)

£25,000

Minimum investment

2 years

Expected qualifying period for IHT relief

Twice monthly

Withdrawal windows, subject to liquidity

How the service works

The service invests in unquoted UK trading companies expected to qualify for Business Relief, with portfolios weighted towards sectors that combine growth potential with resilient demand — such as healthcare, specialist housing and education infrastructure.

After two years of ownership, the shares are expected to qualify for 100% relief from inheritance tax under current rules, provided they are still held at death.

Because the portfolio companies own tangible assets or contracted income streams, the strategy seeks growth without abandoning downside discipline.

Growth with a purpose

A higher target return than traditional capital-preservation estate planning, for investors comfortable with more risk.

Asset-backed resilience

Portfolio companies are chosen for tangible assets and dependable revenues in sectors with structural demand.

Fast, flexible planning

Two-year qualifying period and twice-monthly withdrawal windows keep you in control of your capital.

Key risks

Higher target returns mean higher risk: portfolio values can fall as well as rise, and you may get back less than you invested.
Tax reliefs are not guaranteed, depend on individual circumstances and portfolio companies maintaining qualifying status, and may change in the future.
Unquoted investments are illiquid; withdrawals rely on available liquidity and may be deferred.

Charges

Initial charge: 2%
Annual management charge: 0.5% + VAT
Underlying service costs: Up to 2% + VAT p.a.
Performance fee: None

Full details are set out in the brochure, terms & conditions and key information documents, available from the team on request.

Frequently asked questions

How is this different from the standard Estate Planning Service?

Both target Business Relief after two years. This service accepts more investment risk in pursuit of a higher target return, whereas the standard service prioritises capital preservation.

Where is my money invested?

In unquoted UK trading companies with tangible asset backing, concentrated in resilient sectors such as healthcare, specialist housing and education infrastructure.

Can I withdraw if I change my mind?

Withdrawal requests can be made at twice-monthly windows and are met from available liquidity. Access is not guaranteed and may take longer in stressed conditions.

Is the relief guaranteed?

No. Business Relief is assessed by HMRC on death. Qualification depends on the companies' trading status at that time and on the shares having been held for two years.