Inheritance Tax Planning

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Inheritance Tax Planning
Inheritance Tax Planning

Wide scale home ownership and rising property values have meant that more and more ordinary people need inheritance tax planning advice. Don’t get caught out by a large IHT bill.

With both the Inheritance Tax (IHT) nil-rate band and residence nil-rate band remaining frozen at existing levels until April 2026, at £325,000 and
£175,000 respectively, many families are already receiving hefty IHT bills.

We see this tax as avoidable in many instances – it’s just that clients are not aware of the lawful actions you can take to do so. It just needs some smart inheritance tax planning – and you need to understand the value of your estate.

For UK domiciled clients, Inheritance tax (IHT) is currently charged at 40%, and is payable on your estate once your net assets exceed £325,000. In the tax year 2019-20, 3.7% of UK deaths resulted in an Inheritance Tax (IHT) charge (

Inheritance tax receipts in the UK amounted to approximately 5.32 billion British pounds in 2020/21 (

Providing your family with lasting benefits means taking action now, get some clear and trusted inheritance tax planning advice!

Our Services & Expertise

There are a several different ways of planning to try to eliminate or at least reduce your potential liability.

These include:

  • The writing of a suitable will which is regularly reviewed best advice
  • The gifting of assets during lifetime
  • Using trust wrappers
  • The use of appropriate insurance policies

To find out more contact Ian Brown for advice. We can also help you with making a suitable will. It pays to understand the value of your estate and we would be happy to help you go through a checklist which will give you an indication of any likely IHT problems.

You need to plan ahead to ensure that your assets are passed on to your loved ones as efficiently as possible.

Estate planning and Inheritance Tax planning are not regulated by the Financial Conduct Authority.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

What makes us different?

Start your journey to a better financial future

You can talk to us in confidence about protecting your income and your family, residential and business mortgages, pensions, SIPPs, annuities, income drawdown, inheritance tax and tax efficient investments. The first meeting is at our expense and without any obligation.

You can contact us via telephone, email, or use the contact form below: