Your inheritance tax position
Understanding your current IHT position and available nil-rate band, including residence nil-rate band eligibility for homeowners, so you know where you stand before any decisions are made.
Inheritance tax calculator
Legacy planning
Passing on wealth, carefully
Independent advice on protecting what you pass on, during your lifetime and beyond it.
For many people the aim is not to spend everything. It is to live comfortably, and to make sure that what you have built reaches the next generation in the way you intend.
Estate planning goes beyond inheritance tax - it's about making sure your wealth passes to the people and causes you care about, in the way you intend, and with as little disruption as possible. Many people put off estate planning, assuming it's only relevant when you're older. In reality, the earlier you start, the more options you have.
Estimate your IHTThe elements of a legacy plan
Everyone's circumstances are different. These are the areas we typically look at together, and the plan is built around the ones that matter to you.
Lifetime gifting
Annual gift exemptions and small gift allowances, gifts from surplus income, and the 7-year rule, used in a measured way so that gifts to children and grandchildren remain affordable alongside your own needs.
How cashflow planning helpsTrusts
Trust planning for protecting assets and reducing taxable estate. A trust can also give you a say in how and when wealth is passed on, for example to younger grandchildren.
Estate planningPensions and the 2027 changes
From April 2027, most unused pension funds will count towards your estate. Reviewing death benefit nominations, and the order in which you draw on pensions and other savings, is now an important part of planning.
Read the 2027 guideLife cover written in trust
Life insurance in trust to cover an anticipated IHT liability, so that assets do not have to be sold to meet a tax bill.
ProtectionCharitable giving
If supporting a charity or cause matters to you, it can form part of your estate plan. Leaving 10% or more of your net estate to charity can reduce the inheritance tax rate on the rest of the estate from 40% to 36%.
See the effect in the calculator
A plan your children understand
A legacy plan works best when the people it is designed for know it exists. Where you would like them to be, your children can be part of the conversation, so they understand what you have put in place and why.
- Working alongside your solicitorCo-ordinating with your solicitor on wills and LPAs, so that your legal documents and financial plan fit together.
- Reviewed as life changesMarriages, grandchildren, property sales and changes to the rules can all affect the plan. It is reviewed with you every year.
“My wife sadly passed away, and I wanted to set a trust fund for my stepdaughter. John found a solution that exactly fit my requirements.”
Clear, fixed fees for planning work
All fees are agreed in writing before any work begins - no hidden charges, no surprises. The initial 20-minute discovery call is completely free and without obligation.
| IHT overview & strategy planning (no product recommendation) | £1,200 + VAT |
|---|---|
| Intergenerational planning / estate modelling | £1,500 + VAT |
| Investment & pension advice | Initial fee capped at 3% · minimum £500 |
| Ongoing advice service | Up to 1% per year · minimum £250/year |
Advice-only work, where no product is recommended or implemented, is a standard-rated service, so VAT is charged at 20% on top of the fees shown.
Get started
Not sure where your estate stands?
Book a free 20-minute call. We can look at your specific situation - your pension, your property and your family’s position - and discuss whether anything may need to change.