Inheritance Tax Planning
IHT planning that starts before it is too late.
The earlier you plan, the more options you keep. We help families and business owners reduce inheritance tax exposure through gifts, reliefs, trusts, and structures that fit how you actually want to live – not just how to die efficiently.
Practical planning, not just academic structures
Inheritance tax catches a lot of UK families it never used to. Frozen nil-rate bands, rising property prices, the “pensions in IHT from 2027” change, and the gradual tightening of Business Property Relief and Agricultural Property Relief from April 2026 mean more estates are crossing the threshold than ever.
The answer is rarely a single big move – it is usually a sequence of small ones over years: lifetime gifts that survive the seven-year rule, gifts out of normal income, residence nil-rate band optimisation, will trusts, business reliefs preserved through restructuring, family investment companies for substantial wealth, and pension drawdown ordering. We model your estate, identify the levers that matter for your family, and help you pull them in the right order.
What’s covered
- Estate valuation and IHT exposure modelling
- Lifetime gift strategy (PETs, CLTs, normal expenditure out of income)
- Residence nil-rate band optimisation
- Business Property Relief and Agricultural Property Relief reviews
- Will tax reviews and recommendations
- Will trust structuring
- Family Investment Company (FIC) advice
- Pension drawdown ordering for IHT efficiency
- Lifetime gifting tracker for the 7-year rule
- IHT400 / IHT100 / IHT205 estate filings
Why clients stay
A genuinely modern approach
Cloud accounting, MTD-ready workflows and secure document portals — no shoeboxes of receipts, no surprise emails in March.
Fixed fees, no clock-watching
A clear price agreed up front. Call us as often as you need without worrying about a meter running.
Senior advice, not call-centre answers
Every client has a named accountant who knows your situation — not a ticket queue.
Common questions
How much can I leave before IHT applies?
What is the 7-year rule on gifts?
What is changing with Business Property Relief in April 2026?
What about pensions and IHT in 2027?
Can a Family Investment Company help?
Want to know what your IHT exposure actually is?
Book a free 30-minute call. We will tell you straight whether we can help, what it would cost, and what to do next. No sales pitch, no obligation.
Estate value, NRB, RNRB taper above £2m, transferable allowances and the 36% reduced rate for charitable estates — all in one quick calc.