Inheritance tax planning to help reduce your Inheritance Tax bill

Truth. Simplicity. Transparency.

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.

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.

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 2019-19, 3.7% of UK deaths resulted in an Inheritance Tax (IHT) charge (gov.uk/2021).

Inheritance tax receipts in the UK amounted to approximately 5.32 billion British pounds in 2020/21 (statista.com/2021)

You need to understand the value of your estate.

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

Our Services & Expertise

Different Ways of Planning

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.

What makes us different?

"Can’t recommend Daniel Bailey highly enough. 5 star recommendation for him. He is very patient and took the time to understand our circumstances and worked very hard to acquire our mortgage for us. We are so very grateful to him."

"So, so happy with our experience with this company. They couldn’t have done enough for us!! I would highly recommend them to anyone. Daniel Bailey was the person who dealt with us and the standard of his professionalism couldn’t have been better. Nothing was too much for him!"

"From the outset, we found Ian’s professionalism, knowledge and expertise to be second to none. Throughout the process of setting up an investment portfolio to provide a monthly income, Ian provided regular updates, advise and guidance, all in a language that we could readily understand, being as how our knowledge of the financial market was very limited."

"We find Daniel to be incredibly helpful and responsive. He is not pushy and just gives simple, clear good advice. #TeamDaniel!"

"We have every confidence in Ian's exceptional knowledge and experience but also appreciate very much the great service from the team that Cosgrove Brown have built up around them."

"Ian looked at all our finances along with our pensions and explained everything so we fully understood. We feel more comfortable knowing what we will receive in retirement."

Carl Cerasuolo

"Without the help of Daniel we wouldn't be enjoying making memories in our beautiful forever home. He delivered a very personal service and listened to what we wanted from him. He was always on hand to answer any questions, we can't thank him enough for the 5+star service (February 2021)"

"Gary provided excellent advice and assistance with a complex purchase which involved a bridging loan and commercial funding. He understood the timescales and sourced lending when others couldn’t."

"Wanted to say thank you so much for all your mortgage help and advice over the past few months, you've been brilliant!"

"We were really impressed with the speed with which you processed the mortgage and the great rate of interest!"

"The company is first class, discriminating, intelligent, utterly trustworthy and dependable"

"Thank you for the excellent service and advice given, you made my journey hassle free and tax efficient, and now very profitable"

"Straight forward information and easy to follow progress, being able to see everything via the Old Mutual portal is excellent. Stress free from start to finish and such a good feeling about who is best at looking after my financial future."

"Daniel went above and beyond to help us with our first mortgage. He explained the mortgage, its rates and terms very clearly, he was extremely patient and professional, we would highly recommend him."

"My mortgage needs were not simple to deal with, but Dan’s knowledge and experience really shone through. He was professional in his dealings with me and explained everything to me in a clear and concise way, ensuring I fully understood the mortgage product I purchased."

H McGillivray

"The service at Cosgrove Brown really has been first class. Not only was Dan, the Mortgage Broker, friendly and relaxed, nothing was too much trouble for him. He seemed to go above and beyond in helping where he could. He really took a lot of pressure off me in what could have been a really stressful time. I would 100% recommend Cosgrove Brown, the service was exceptional and really good value for money too."

Samantha Lewis - Swansea

"I was recommended Cosgrove Brown by a family member and was not disappointed. Dan has now arranged 2 mortgages for me and each one has been completely stress free and that is amazing for someone who worries about everything. Dan was understanding of my situation and is extremely good at his job. He is always at the end of the phone or email with any queries I had day or night! He literally takes everything out of your hands and deals with it all from start to finish but keeps you updated all through the process. I honestly cannot recommend this firm in particular Dan Bailey enough. I now have a lovely home to call my own thanks to them!"

Christine - Swansea

"It was so nice to find someone who was happy to listen to all of my questions and concerns before we agreed on a plan of action."

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, wills 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: