Personally I think whatever "category" certain tiaras may have had officially the late Queen will have seen it as her duty to hand them all over to Charles as heirlooms rather than divying them up between the wider RF. I wonder if she has also learnt lessons from significant pieces going into other lines of the family and being sold off.
She will have had excellent advice on how to hand anything over i the most tax efficient way possible, leaving a tiara or significant jewels to anyone other than Charles will have seen a tax upon it. More likely IMO they've all gone to Charles with an understanding some pieces may continue being used "on loan" in the future (really this only now affects Sophie as Anne wears her own and of course Catherine is his Daughter in Law). The only possible exception may be pieces the Queen has given away in her lifetime, 7 years before her death which won't now be taxed. I doubt she has given away any significant pieces in such a way personally but its the only other "tax efficient" way to do it.
In term of tiaras all the "working" female members have tiaras they can access - Camilla as consort has presumably free reign over the whole collection, likewise I'm sure Catherine won't have to beg for any tiaras for work events. Anne uses her own tiaras - the Greek meander, the festoon and the pine cone which may well still be in the "collection" but more likely IMO is Anne's personal property. The only other one she has worn in the mysterious double key tiara, the Queen seems likely to have inherited this from the Queen Mother upon her death - its either still in the "collection" or she may have gifted it to Anne when it became her property in 2002 and being more than 7 years ago, would have been done so tax free. Either way, Anne has at least two tiaras she can wear for royal duties, probably 3, maybe 4.
Sophie has the aquamarine necklace/tiara which seems to be her personal property. Who knows about her wedding tiara -some say the pieces used to make it are significant from Victoria's reign but she was allowed to modify them extensively when the tiara was redone after 20 years which makes me wonder if it wasn't gifted to her as a wedding present. Even if she were suddenly denied access to the 5 stone aquamarine tiara from the Queen's collection she would have at least one, likely two tiaras to wear.
In other words, when it comes to tiaras I don't think the late Queen will have been giving an out in her will. Either she'll have done so already or chosen to keep her collection all together.
I think the same is true for any other significant jewels - smaller pieces will have been given for wedding presents etc already so be personal property. Larger, more significant pieces will remain part of the "collection" she passes to Charles.
As for Louise, Beatrice and Eugenie - while I don't think there is any evidence Charles wouldn't lend them tiaras if required - it is also worth noting Sophie and Sarah (we can maybe presume) have at least one tiara of their own they could lend if required, just as Anne loaned her daughter and daughter in law her own tiaras for their weddings.
She will have had excellent advice on how to hand anything over i the most tax efficient way possible, leaving a tiara or significant jewels to anyone other than Charles will have seen a tax upon it. More likely IMO they've all gone to Charles with an understanding some pieces may continue being used "on loan" in the future (really this only now affects Sophie as Anne wears her own and of course Catherine is his Daughter in Law). The only possible exception may be pieces the Queen has given away in her lifetime, 7 years before her death which won't now be taxed. I doubt she has given away any significant pieces in such a way personally but its the only other "tax efficient" way to do it.
In term of tiaras all the "working" female members have tiaras they can access - Camilla as consort has presumably free reign over the whole collection, likewise I'm sure Catherine won't have to beg for any tiaras for work events. Anne uses her own tiaras - the Greek meander, the festoon and the pine cone which may well still be in the "collection" but more likely IMO is Anne's personal property. The only other one she has worn in the mysterious double key tiara, the Queen seems likely to have inherited this from the Queen Mother upon her death - its either still in the "collection" or she may have gifted it to Anne when it became her property in 2002 and being more than 7 years ago, would have been done so tax free. Either way, Anne has at least two tiaras she can wear for royal duties, probably 3, maybe 4.
Sophie has the aquamarine necklace/tiara which seems to be her personal property. Who knows about her wedding tiara -some say the pieces used to make it are significant from Victoria's reign but she was allowed to modify them extensively when the tiara was redone after 20 years which makes me wonder if it wasn't gifted to her as a wedding present. Even if she were suddenly denied access to the 5 stone aquamarine tiara from the Queen's collection she would have at least one, likely two tiaras to wear.
In other words, when it comes to tiaras I don't think the late Queen will have been giving an out in her will. Either she'll have done so already or chosen to keep her collection all together.
I think the same is true for any other significant jewels - smaller pieces will have been given for wedding presents etc already so be personal property. Larger, more significant pieces will remain part of the "collection" she passes to Charles.
As for Louise, Beatrice and Eugenie - while I don't think there is any evidence Charles wouldn't lend them tiaras if required - it is also worth noting Sophie and Sarah (we can maybe presume) have at least one tiara of their own they could lend if required, just as Anne loaned her daughter and daughter in law her own tiaras for their weddings.
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