Inheritance Tax Planning


It is important to discuss financial matters and review all your financial affairs regularly – from pensions to investments, wills, lasting powers of attorney and life policies in trust – with someone you can trust and seek specialist advice where necessary.

Where there’s a will…

Estate planning is about much more than passing on money when you die. It’s about leaving a legacy and financial legacy and financial security for your family and taking care of the next generation.

Inheritance tax is currently charged at a flat rate of 40% on the value of your estate which exceeds your personal allowance (also called the nil rate band). This is currently £325,000 per person. The residence nil rate band is an additional allowance of £175,000 per person for passing on the family home, which may also apply to your estate.

However, there are plenty of ways to reduce your tax exposure through proper advice and planning. Some people hold back because they are worried about running out of money in later life. We can show you how much money you will need to maintain your lifestyle, while taking into account other potential expenses such as long-term care.

Whether you need a will (a good place to start), or other advice on inheritance tax planning, we would be delighted to help you.


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