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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

Please note: The future value of investments can fall as well as rise and future growth is not guaranteed

Get in touch to discuss how we can help you build and protect your wealth

Your initial consultation will be provided at our cost to help you to take the first step to achieving your financial ambitions.

We base our fees on your individual needs and requirements which allows us to deliver the best tailored solutions. There are no hidden costs, and we will highlight any charges and associated fees upfront.

Email hello@realisewm.com 01932 502757

Your personal data will remain confidential and will not be passed to any company outside our firm without your permission being obtained, unless the information is required by law. For further details on how we handle your personal information, please refer to our Privacy Policy.

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