Pass on more to the people you love
Your legacy, respected and taken care of
Building wealth takes a lifetime of hard work and careful choices. So it’s only natural that you want to ensure that when the time comes, your assets benefit your children and grandchildren rather than going straight to the taxman.
Yet the rules around legacy planning are shifting. Changes coming into effect from 2027 mean that pensions, once a tax-free way to pass on money, will soon be included in your estate for tax purposes. Without a clear plan, your family could face a significant and unexpected cost.
Our experienced advisers can help you understand exactly where you stand and what your options are. By looking at your gifts, trusts, and investments, we’ll create a strategy that respects your wishes and ensures your hard-earned wealth stays with the people who matter most.
Burning questions, addressed
How much Inheritance Tax will my family have to pay?
This depends on the value of your estate and what allowances apply. Together, we’ll assess your assets, including pensions, and calculate your potential liability so you know exactly where you stand.
What are the most effective ways to reduce Inheritance Tax?
Common strategies include lifetime gifting, setting up trusts, and using life insurance to cover the tax bill. We’ll explore all your options and recommend the approaches that work best for your situation.
How do the 2027 pension changes affect my estate planning?
From April 2027, unused pensions will be included in your estate for Inheritance Tax. This could significantly increase what your family owes, making it more important than ever to review your plans now.
Can I give money to my family now to reduce the tax?
Yes. You can make tax-free gifts during your lifetime, though there can be conditions. Our team will help you understand the rules, and create a strategy that reduces your estate while supporting loved ones.
Should I use life insurance to cover my Inheritance Tax bill?
This can be a cost-effective way to prevent your inheritance from being reduced. But everyone’s circumstances are unique, which is why it’s so important to work with qualified, experienced advisers like ours.
What happens to my estate if I don’t plan for Inheritance Tax?
Without proper planning, your family could face a substantial tax bill that forces them to sell assets or use inheritance money to pay it. We’ll help you avoid this by putting measures in place today, so you can rest easy.
The Financial Conduct Authority does not regulate some aspects of Trust, Tax and Estate Planning.
How it works
01
Discover
We start by getting to know you, your goals, your circumstances, and what really matters to you financially and personally.
02
Research
Taking everything we’ve learned about you, we get to work exploring the best possible options for your unique situation.
03
Present
To help you make an informed decision, we’ll walk you through our recommendations and explain the pros and cons as we go.
04
Implement
Once you’re happy, we’ll put your plan to work. We’ll handle the details, making it a simple, stress-free process for you.
05
Review
We won’t forget about you when the job’s done. We’ll stay in touch to make sure your plan continues to support your goals.
