Estate Planning

Inheritance tax is a tax that may be payable on your estate when you pass away. Your estate includes your property, savings, investments and other assets, after any debts have been deducted.

In the UK, inheritance tax is typically charged at 40% on the value of your estate above certain thresholds, although there are allowances and reliefs that may reduce the amount payable.

Careful planning can help manage or reduce your potential inheritance tax liability. We help you understand your position and explore appropriate options, working alongside trusted professionals where needed to ensure your estate is structured efficiently.

Inheritance tax planning involves structuring your assets efficiently and making full use of available allowances and reliefs. This may include gifting strategies, pensions, trusts and other planning solutions.

We help you understand your potential exposure and coordinate a clear plan, working alongside trusted professionals where appropriate, to ensure your estate is managed as efficiently as possible.

A trust is a legal arrangement that allows assets to be held and managed for the benefit of others. Trusts can be used for a range of purposes, including controlling how wealth is passed on, protecting assets and supporting inheritance tax planning.

Whether a trust is appropriate depends on your circumstances and objectives. We help you understand the role trusts can play and work with specialist professionals to ensure any solution is suitable and properly structured.

Pensions can play an important role in estate planning, although the rules around how they are treated for inheritance tax are changing from April 2027.

We help ensure your pension arrangements, including beneficiary nominations, are structured appropriately and aligned with your wider estate planning. This allows you to make informed decisions and ensure your wealth is passed on in line with your wishes, both now and as legislation evolves.

Having an up to date will is essential to ensure your estate is distributed according to your wishes. Without one, your assets may be subject to intestacy rules, which may not reflect your intentions.

We recommend reviewing your will regularly, particularly after major life events, and can work with trusted solicitors to ensure it remains appropriate.

Yes, we take a coordinated approach to estate planning, working closely with trusted solicitors, Chartered Accountants and other specialists.

Our role is to bring everything together, ensuring your financial planning, tax position and legal arrangements are aligned, giving you clarity and confidence that your affairs are properly organised.