Estate & IHT Planning
In brief
For families with significant assets, business owners, property investors, parents and grandparents. We map your estate, consider planning options and coordinate implementation with your accountants, solicitors and trustees. Your plan is reviewed as tax rules and family circumstances change. The aim is to preserve wealth and help it reach the people and causes you care about as intended.
Creating wealth is only part of the story. The real challenge is ensuring it reaches the people and causes you care about, in the way you intended. We help families structure their affairs with clarity, minimise unnecessary tax and complexity, and create a lasting legacy for future generations. Every recommendation is independent and bespoke — shaped entirely by your circumstances, never by product incentives.
Who it's for
- Families with significant assets
- Business owners
- Property investors
- Parents and grandparents
- Anyone thinking beyond their own lifetime
Our Approach
Preserving Wealth. Protecting Legacies.
Estate planning is about more than reducing inheritance tax. It is about ensuring that a lifetime of hard work continues to support the people and values that matter most.
We help families design thoughtful, independent strategies that preserve wealth, minimise unnecessary tax and create a clear path for future generations. Free from product commissions and provider allegiances, our advice is guided by one principle alone: what is right for your family.
The result is a plan that brings clarity today and confidence for tomorrow.
What to expect.
01
Full Estate Analysis & IHT Projection
We map your entire estate — business, pensions, property, investments — and calculate your actual IHT exposure under current and proposed rules.
02
Strategic Planning Options
We design multiple scenarios using Business Property Relief, pension strategies, trusts, family investment companies, lifetime gifting, and life insurance in trust.
03
Implementation & Coordination
We work with your accountants, solicitors, and trustees to implement the chosen strategy — no gaps, no confusion, everything coordinated.
04
Ongoing Review & Adaptation
Tax rules change. Family situations change. We review annually and adjust your plan proactively.
The Imperative
Why You Need to Act Now
April 2027: Pensions Enter IHT Scope
Pensions were IHT-free. From April 2027, your £2m pension becomes taxable. Planning window: 16 months.
Autumn 2024 Budget: CGT Increases
CGT rose from 10%/20% to 18%/24%. Business owners now face 50-53% total tax on exits.
7-Year Clock for Gifting
Gifts need 7 years to fall outside your estate. Start now = protected by 2032. Wait 3 years = 2035.
The best time to plan was 7 years ago. The second best time is today.
The Problem That Keeps Business Owners Awake at 3am
You've built a £5 million business. You're planning to exit in 3-5 years.
Here's what HMRC will take if you haven't planned properly:
You built £5 million. Your family gets £2.4 million. HMRC gets £2.6 million.
And it gets worse if you have:
- •Multiple properties (each increases IHT exposure)
- •Large pensions (now in IHT scope from April 2027)
- •Overseas assets (multi-jurisdiction complexity)
- •No spouse (no spousal exemption relief)
The cost of "I'll deal with it later" can be £1-3 million in unnecessary tax.
Case Studies
Real Results for Real Families
(Names changed for confidentiality)
Manufacturing Business Owner
Saved £1.8M in combined CGT and IHT
£8m business exit planned. Used company structure + pension planning + trust strategy to reduce family tax exposure from £3.2m to £1.4m.
Source: anonymised case study on this page; supporting evidence is not published.
Property Portfolio Family
Reduced IHT from £2.4M to £600k
£11m property portfolio. Implemented family investment company, strategic gifting, and trust structures over 5 years.
Source: anonymised case study on this page; supporting evidence is not published.
International Entrepreneur
Protected £15m across UK, UAE, EU
Multi-jurisdiction wealth. Coordinated UK estate planning with overseas structures to minimize double-taxation.
Source: anonymised case study on this page; supporting evidence is not published.
Calculate Your IHT Exposure in 60 Seconds
Before you commit to a full planning engagement, understand exactly where you stand.
What this calculator shows you:
- Your actual IHT exposure under current HMRC thresholds
- How the Nil-Rate Band and Residence Nil-Rate Band apply
- The impact of the RNRB taper for larger estates
- How much your family would receive after tax
This is an estimate only. Our Confidential Estate Planning Review provides a comprehensive analysis including Business Property Relief, trust strategies, and pension planning.
Quick IHT Estimate
Get an instant indication of your Inheritance Tax liability.
No obligation. Just clarity on where you stand.
Free Guide: IHT Planning for Entrepreneurs
Our comprehensive PDF guide covers the key IHT strategies available to UK business owners — from Business Property Relief and Family Investment Companies to pension planning and trust structures. Written in plain English, not legalese.
Questions & answers
Frequently asked questions.
Families with significant assets, business owners, property investors, parents and grandparents, and anyone thinking beyond their own lifetime.
We map your entire estate — business, pensions, property and investments — and calculate your IHT exposure under current and proposed rules.
We design scenarios using Business Property Relief, pension strategies, trusts, family investment companies, lifetime gifting and life insurance in trust.
We work with your accountants, solicitors and trustees to implement the chosen strategy, keeping everything coordinated.
We review annually and adjust your plan proactively as tax rules and family circumstances change.
Next step
Let's start with a conversation.
A free, no-obligation call to understand where you are, what you want next, and whether we're the right people to help.
No products. No pressure. Around 30 minutes.