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Passing on your wealth


People often put off Inheritance Tax advice as they believe the only way to mitigate the tax is to pay an insurance policy or give all their capital away, but this is a common misunderstanding. If you think Inheritance Tax may be an issue for you, here are some things to consider:

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Areas of Expertise

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Value of your assets


You need to consider not just the value of your wealth today, but also how that may change and increase in future.
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Your family’s future needs


Prioritizing the needs of those who take over your assets is vital. Will a spouse or children have sufficient funds for any expenses?
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Your own financial security


While moving assets into trust may reduce your liability, you need to first be sure that you will have sufficient income in retirement.
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Options for all ages

How we can help

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Life Stage

Inheritance Tax is an essential consideration in good financial planning. We can provide you with the proper provisions to ensure you don’t pay any tax you could potentially be exempt from.


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[one_fourth] [icon_box title=”Step 1″ icon=”icon-home” image=”” icon_position=”top” border=”1″ link=”” target=”_blank” animate=”” class=””]Assessment – We will first assess your assets to see whether you are likely to face a tax penalty.[/icon_box] [/one_fourth] [one_fourth] [icon_box title=”Step 2″ icon=”icon-eye” image=”” icon_position=”top” border=”1″ link=”” target=”_blank” animate=”” class=””]Identify – We then single out the policies/assets that could be more tax efficient.[/icon_box] [/one_fourth] [one_fourth] [icon_box title=”Step 3″ icon=”icon-comment-fa” image=”” icon_position=”top” border=”1″ link=”” target=”_blank” animate=”” class=””]Discover – We’ll present our findings to you while explaining all of your options.[/icon_box] [/one_fourth] [one_fourth] [icon_box title=”Step 4″ icon=”icon-docs” image=”” icon_position=”top” border=”1″ link=”” target=”_blank” animate=”” class=””]Apply – We then complete and process any applications required to reduce your Inheritance Tax bill.[/icon_box] [/one_fourth]

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Areas of Expertise

When should I plan for IHT?



If you think Inheritance Tax may be an issue to your loved ones, you need to look at your options to reduce that bill as soon as possible. IHT is currently payable where a person’s wealth is in excess of £325,000 (2017–18). Thus, if you own your own house and have some savings, life assurance policies, or business assets, your estate could be liable.

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Do I need to have a will?

While having a will is not a legal requirement, it is highly recommended. The main benefit is that it enables you to decide who is in control of your estate when you die, and avoids delays due to laws of intestacy.

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Your estate is made up of the following:

  • Your main residence
  • Bank accounts
  • Investments
  • Other Property (Buy-to-lets, Holidays homes etc.)
  • Life Assurance that isn’t in trust
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    [heading tag=”h4″ align=”justify” padding=”20px” color=”#fff” style=”default” color2=”#000″]We will happily provide you with a free no obligation comparison of any existing policies you have! [/heading]

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