RA’s are still a good estate planning tool

Using a retirement annuity provides a viable alternative to traditional estate planning instruments. Here are ten estate planning reasons to look at RA’s this retirement annuity season.

Traditionally, clients wanting to provide for a surviving spouse with the benefit of added estate duty relief would look at creating a usufruct as their instrument of choice. Read more

In recent years, developments on three fronts have reduced the attractiveness of a usufruct: