Most families don't realise they have an inheritance tax problem until it's too late. If your estate is worth more than £325,000 (or £500,000 if you're passing on your home), your family will face a 40% tax bill on everything above that threshold. Without proper planning, HMRC becomes your largest beneficiary.
Your home is worth £450,000. You have £200,000 in savings and investments. Total estate: £650,000.
Without planning, your family faces: £50,000 inheritance tax bill
With planning, they could face: £0
You own a buy-to-let property alongside your main home. Combined value pushes your estate over £1 million.
Your children inherit: A £200,000+ tax bill they must pay within 6 months—often forcing a quick property sale at below-market value.
Many couples think they're protected because estates pass tax-free between spouses. But when the second parent dies, the full estate value hits the children at once.
A £1.2 million estate becomes: £740,000 after tax
That's £460,000 lost—enough to change lives, fund education, or secure your grandchildren's futures.
Most IHT strategies require 7 years to become fully effective. Waiting even one year could cost your family tens of thousands.
The earlier you plan, the more you save. The question isn't "if" you should plan—it's "when."
We analyse your full estate and create a custom plan that can significantly reduce or, in some cases, eliminate your inheritance tax liability—always within HMRC's current rules.
Complete assessment of your property, investments, pensions, business interests, and other assets to calculate your exact IHT exposure.
Custom plan combining allowances, exemptions, trusts, and gifting strategies to minimise your tax liability within legal frameworks.
Maximise your property allowances (up to £500,000 per person) and ensure they're properly structured to pass to your children tax-efficiently.
Clear guidance on what you can gift, when, and how to structure it for maximum tax efficiency while maintaining your lifestyle and financial security.
Where appropriate, setting up trusts to protect assets from IHT while maintaining control and flexibility for your family's changing needs.
Realistic timeline showing when tax savings materialise, with contingency strategies to protect your family even if you don't survive the full 7 years.
IHT planning is essential if any of these situations apply to you:
If any of these apply, your family could face unnecessary tax liability of up to 40%.
How IHT Planning works
Download IHT GuideWe make inheritance tax planning straightforward. Here's exactly what happens from your first call to complete protection.
We analyse your full estate—property, investments, pensions, business interests—and calculate your exact IHT liability. You'll see clearly what your family faces without planning and what they could save with it.
Timeframe: Week 1-2We design your custom IHT reduction plan and put it into action—drafting legal documents, establishing trusts if needed, creating gifting schedules, and coordinating with your financial advisors.
Timeframe: Week 3-6Tax laws change. Your life changes. We review your strategy annually to ensure it remains effective and compliant, adjusting as your circumstances evolve.
Timeframe: Ongoing (annual check-ins)Total Timeline: 60 days from first call to full implementation
What's Included:
Payment Options:
• Pay in full (5% discount)
• Split payment (50% upfront, 50% at completion)
Your Family Could Keep:
£95,000 more
Illustrative example based on an £800,000 estate using standard allowances and planning reliefs available under current HMRC rules. Individual results vary depending on circumstances and eligibility for reliefs.
Many families can benefit from complete protection—not just tax strategy.
If you want comprehensive protection from IHT, incapacity, probate delays, and care home fees, our Complete Estate Planning & Asset Protection service gives you everything in one integrated strategy.
If we can't identify significant tax savings for your family, you pay nothing. We're confident in our ability to help—or we don't charge.
Many clients can reduce their inheritance tax liability by up to 50-100%, depending on circumstances and eligibility for reliefs. For example, a £1 million estate would normally face a £140,000 tax bill. With proper planning, that can often be significantly reduced or, in some cases, eliminated entirely.
Not necessarily. Many modern trusts allow you to retain significant control and flexibility while still achieving IHT savings. We design structures that balance tax efficiency with your need for access and control—always within HMRC guidelines.
Gifts become fully IHT-free after 7 years, but there's taper relief if you don't survive the full term. For example, if you survive 5 years, 80% of the gift is already tax-free. We can also structure plans with life insurance to cover any remaining liability during the 7-year period.
Yes, eventually. Estates pass tax-free between spouses, but when the second spouse dies, the full combined estate hits the children at once. Planning now ensures your children don't face a substantial bill later.
Immediately. We can schedule your IHT review within 7-10 days and have your strategy developed within 4-6 weeks. The sooner you start, the more time your plan has to become fully effective.
Every year you wait is another year of potential tax liability. Many UK families face substantial inheritance tax bills—money that could have stayed with your children, funded their futures, or secured your grandchildren's education.
Take action today. Protect what you've built. Keep your legacy in your family.