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Inheritance tax (IHT) and estate planning

Whether you’re thinking about passing assets to the next generation, supporting loved ones during your lifetime, or gaining clarity on how your estate is structured, we help you make informed, confident decisions.

Planning that realises your priorities  

Every family is unique. Your priorities might include supporting children or grandchildren, protecting a partner, gifting during your lifetime, or ensuring your estate is passed on efficiently. We take the time to understand what matters most to you, then build a plan that balances your wishes with practical, tax-efficient strategies.

Our aim is simple: to give you clarity, control and peace of mind.

What we help with

Understanding your estate

    • Reviewing your assets and potential IHT exposure
    • Explaining the rules clearly, without jargon
    • Helping you understand allowances such as the nil rate band and residence nil rate band
    • Showing how your estate might change over time

Reducing your IHT liability

    • Reviewing your assets and potential IHT exposure
    • Explaining the rules clearly, without jargon
    • Helping you understand allowances such as the nil rate band and residence nil rate band
    • Showing how your estate might change over time

Protecting your wishes

    • Ensuring your financial plan aligns with your will and any lasting powers of attorney
    • Reviewing beneficiary nominations on pensions and life policies
    • Helping you think through how your decisions affect the people you care about

Keeping your plan up to date

    • Regular reviews as legislation, markets or family circumstances change
    • Adjusting your strategy as new milestones arise, from marriages to new grandchildren to changes in your own lifestyle
    • Ensuring your estate plan continues to reflect your intentions

Planning for lifetime support

    • Structuring financial help for children or grandchildren
    • Balancing generosity with your own long-term security
    • Exploring tax-efficient ways to pass on wealth while you can see the impact

Why people choose us

Independent advice – We’re not tied to any provider or product. Our recommendations are based solely on what’s right for you and your family.

Clarity and confidence – We translate complex rules into clear, practical guidance so you can make decisions with confidence.

Planning that evolves with your life – Your circumstances, priorities and family dynamics will change. We help you stay prepared for the milestones you expect, and the moments you don’t.

A long-term relationship – Estate planning isn’t a one-off exercise. We’re here to support you and your family over time.

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