Helping You Pass On More — Without the Worry
We help you take control of your legacy — making sure your wealth is passed on in the way you intend, with as little lost to tax as possible.
Inheritance tax (IHT) can feel complicated and even a little overwhelming, but it doesn’t have to be. With the right advice and a clear plan, you can make a big difference to how much of your estate goes to your loved ones — and how much ends up with the taxman.
What We Help With
We’ll work with you to create a personalised estate plan that balances your goals, your finances, and your peace of mind.
Here’s how we support you:
Estate & Will Planning
We help you get clear on what you have, what you want to leave behind, and how best to structure it — including working alongside solicitors to make sure your will reflects your wishes.
Gifting Strategies
We guide you through tax-efficient ways to gift money during your lifetime — so you can enjoy seeing your family benefit, while also reducing the size of your taxable estate.
Trusts & Wealth Protection
Trusts can be a powerful tool for passing on wealth — but only if used correctly. We’ll explain how they work and when they’re right for your situation.
Use of Allowances & Reliefs
From the nil-rate band to residence relief and business property relief, we’ll help you take full advantage of the rules designed to protect your legacy.
Life Insurance & Estate Equalisation
We may also explore how life insurance can be used to offset a potential tax bill — helping keep your estate intact and your family protected.
Why Inheritance Tax Planning Matters
If the value of your estate — including property, savings, investments, and possessions — exceeds the IHT threshold, your beneficiaries could face a 40% tax bill on anything above it.
But the good news? There are lots of legitimate ways to reduce that bill — and we’re here to help you make the most of them.
Inheritance tax planning is about more than numbers. It’s about:
✔ Protecting your loved ones
✔ Preserving your family’s future
✔ Gifting money the right way
✔ Passing on your values along with your wealth
What’s the Process?
1. Understanding Your Estate
We start with a full review of your finances — assets, liabilities, pensions, property, and more.
2. Clarifying Your Wishes
We take time to understand who you want to benefit from your estate, and what matters most to you in the long run.
3. Building Your Strategy
We create a step-by-step plan to reduce your IHT exposure — and ensure your wealth ends up in the right hands, at the right time.
4. Reviewing as Life Changes
Big events (like marriage, divorce, inheritance, or a business sale) can change your estate plan. We’re here to update it as needed.
Why Clients Trust Us
✔Clear, personal advice — without jargon
✔ Fully independent, whole-of-market expertise
✔ Friendly and sensitive approach to complex topics
✔ Planning for individuals, couples, and families
✔ We work alongside your solicitor or accountant if needed
“Inheritance tax can be emotional and technical. Our job is to make it feel manageable — and to help you feel in control.”
Start Planning Your Legacy With Confidence
We know these conversations aren’t always easy - But they’re are some of the most important. Let’s start with a friendly, no-obligation chat.