Inheritance Tax &
Estate Planning
Structured estate planning and sophisticated inheritance tax mitigation built to protect your family legacy and corporate continuity.
What we help with
Our strategic frameworks coordinate estate preservation, intergenerational asset transfers, and robust tax mitigation.
Inheritance Tax Planning
Protect family wealth through structured legal tax planning.
We conduct a rigorous review of your assets, utilizing standard Nil-Rate Bands (£325,000) and Residence Nil-Rate Bands (£175,000) alongside strategic structures to legally minimize your overall tax liability.
Estate & Probate Support
Clear financial and tax guidance during the estate administration process.
We support executors and families with inheritance tax reporting, estate accounts and financial administration alongside legal advisers. This practical support is designed to help families stay organised and financially informed during estate administration.
Family Wealth & Succession
Unified tax strategies for multi-generational wealth preservation.
Securing your family legacy requires a broad perspective. We help you design long-term structures — including Family Investment Companies — to transition asset control tax-efficiently.
Trusts & Gifting
Leveraging structured lifetime gifts and trust frameworks.
We guide you on the 7-year gifting rules, set up bespoke trusts, and ensure asset transfers are conducted securely and in complete compliance with tax laws.
Estimate your exposure
Use our interactive wealth planning tools to evaluate your Inheritance Tax and Capital Gains Tax liabilities in real-time.
Wealth & Tax Planning Suite
Evaluate worldwide inheritance tax exposures, complex asset categories, and capital gains liabilities in real-time.
Detailed Estate Assets Inventory
Alternative Strategy Planner (Scenario Matrix)
| Variable / Metric | Base Case | Rec #1: Charity Legacy in Will | Rec #2: Spouse Transfer Optimization |
|---|---|---|---|
| Property Assets (UK) | £0 | £0 | £0 |
| Pension Assets (UK) | £0 | £0 | £0 |
| Overseas Property | £0 | £0 | £0 |
| Cash & Share Portfolios | £0 | £0 | £0 |
| Business & Farming (BPR/APR) | £0 | £0 | £0 |
| Other Assets (Cars/Art/Jewels) | £0 | £0 | £0 |
| Gross Estate Value | £0 | £0 | £0 |
| Debts & Liabilities | £NaN | £NaN | £NaN |
| Net Estate Value | £0 | £0 | £0 |
| Total Business/Farming Reliefs | £0 | £0 | £0 |
| Total 7-Year Lifetime Gifts | £0 | £0 | £0 |
| Available Nil Rate Allowance | £325,000 | £325,000 | £650,000 |
| Available Residence Band | £0 | £0 | £0 |
| Chargeable Estate | £0 | £0 | £0 |
| Inheritance Tax Liability | £0 | £0 | £0 |
| Tax Savings vs Base Case | £NaN | £0 | £0 |
Top Recommended IHT Planning Strategies
#1: Charity Legacy in Will
Est. Savings: £0Leave at least 10% of your baseline estate to registered UK charities in your Will. This reduces your overall IHT rate from 40% to 36% on the rest of your estate.
#2: Spouse Transfer Optimization
Est. Savings: £0If married or widowed, optimize assets to ensure your spouse's unused Nil Rate Band and Residence Nil Rate Band are fully transferred (100% transfer).
Advisor Planning Directive: Gifting Property & CGT Rules
🏠 Gifting a Property and Continuing to Live in It
Under UK tax law, if you gift a residential property to your children but continue to live in it rent-free, this is classified as a Gift with Reservation of Benefit (GROB). The property will still be included in your estate for Inheritance Tax (IHT) calculations at death. To successfully exclude the property, you must pay a full commercial market rent to your children, who will have to pay income tax on this rental income.
📈 Capital Gains Tax (CGT) at the Time of Gift
Gifting an asset is treated as a disposal at open market value for CGT purposes.
- Main Residence: Qualifies for Private Residence Relief (PRR), so no CGT is payable.
- Buy-to-Let or Second Homes: Do not qualify for PRR. CGT is payable immediately on the difference between market value and original purchase price.
Common questions
Strategic guidance answering key inheritance tax and family succession planning queries.