What We Do

We provide advice led IHT planning, coordinated with your solicitor and other professionals where appropriate, so your estate plan is structured, documented, and workable.

Core areas of support

• Estate and IHT exposure reviews: A clear view of your potential liability, key drivers (property, pensions, business assets), and planning opportunities.

• Gifting strategies and trust planning: Assessing options for lifetime gifts, use of allowances, and suitable trust structures where appropriate.

• Business and agricultural considerations: Planning for reliefs and succession where relevant, including family business continuity discussions.

• Life cover for IHT mitigation: Exploring whether insurance (often held in trust) can help manage liquidity needs without disrupting your investment plan.

• Pension and beneficiary planning: Aligning nominations and withdrawal strategies with your wider estate objectives.

• Family and succession planning: Supporting structured conversations and documentation so your wishes are understood and implementable.

Who We Help

• Homeowners with rising property values and growing estates

• Couples looking to maximise allowances and improve certainty for children/grandchildren

• Business owners planning succession while preserving enterprise value

• Later-life clients needing to balance care planning, income needs, and gifting

• Executors and families seeking clarity on what actions should be taken now

What You Can Expect

• Explanations of complex rules and reliefs

• A structured plan tailored to your goals, not generic templates

• Emphasis on practicality: affordability, timing, family dynamics, and documentation

• Professional coordination to reduce gaps between financial advice and legal drafting

How Our IHT Advice Process Works

Discovery call (confidential): We outline your objectives, estate makeup, and any immediate concerns.

Fact-find and analysis: We review assets, liabilities, beneficiaries, and existing wills/trusts (with your consent).

Recommendations and options: You receive a plan with clear trade-offs, timelines, and practical steps.

Implementation support: We coordinate with you and help ensure actions are completed correctly.

Ongoing reviews: IHT planning is not “set and forget.” We reassess as legislation, assets, and family circumstances change.

Frequently Asked Questions

Do I need IHT planning if I have a will?

A will sets out distribution. IHT planning focuses on reducing tax exposure and ensuring your estate has the liquidity to meet obligations without forced sales.

Can gifts reduce IHT?

Often, yes when done correctly and aligned with your financial security. We help you assess affordability, timing, and record-keeping.

Is life insurance a good solution?

It can be, particularly for covering potential liabilities and avoiding rushed asset sales. Suitability depends on health, cost, and estate structure.

How often should a plan be reviewed?

Typically after major life changes (marriage, divorce, bereavement), asset changes (property sale, business exit), and whenever tax rules change.