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Gifts and Inheritance Tax

Gifts and Inheritance Tax

If you are considering making a financial gift this festive season, are you aware of the Inheritance Tax (IHT) consequences?

Inheritance planning

Inheritance planning to protect your wealth is vital. If your estate exceeds the Nil Rate Band (£325,000) 40% of your estate could be lost to Inheritance Tax (IHT) when you die.

Fortunately, there are many ways to minimise your exposure to Inheritance Tax. Making sure you structure your affairs tax efficiently with a view to meeting your long-term plans is essential.

Planning should be as straightforward as possible as tax legislation and your personal circumstances will change over time.

We advise on many ways to reduce Inheritance Tax such as Agricultural and Business Property Relief and making gifts.

Inheritance Tax is not just a tax on death, it can arise during your lifetime. We’ll take Inheritance Tax into consideration if you are changing your asset profile or transferring assets into a trust.

Some of the inheritance planning services we provide include:

  • School fees planning
  • Pre-owned assets
  • Planning and accounting for trusts
  • Lifetime gifts from income or capital
  • Minimising your IHT liability


Speak to an inheritance planning expert

Chris Slatter

Wealth Planning Director


Jo Mara

Chartered Financial Planner


Nicola Harte

Senior Manager


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Pension and retirement planning

A pension is a long-term investment that helps you build up a pot of money to use for retirement.

Finances can be complicated.
Let us connect the dots for you…