Navigate complex inheritance tax rules, maximize allowances up to £1 million, and secure your legacy for blended families and property owners
Secure your £175,000 residence nil-rate band
Tailored trusts for modern family structures
Minimize IHT with strategic planning
Navigate the 7-year rule effectively
Understanding your tax-free allowances is the first step to effective estate planning
Safeguard assets while providing flexibility for blended families and property owners
Perfect for ensuring your spouse can remain in the family home while protecting your children's inheritance. The surviving spouse has the right to live in or receive income from the property for life, after which it passes to your chosen beneficiaries.
Spouse retains home for life
Guarantees inheritance for children
Assets protected if spouse remarries
Utilizes spousal exemption
Maximum flexibility for changing family circumstances. Trustees have full discretion to distribute assets among beneficiaries based on their needs and circumstances at the time.
Adapt to changing family needs
Shield from divorce and bankruptcy
Assets protected from care assessments
Support various family members
The ideal modern family trust combining security with adaptability. Provides life interest benefits while allowing trustees flexibility to respond to changing circumstances.
Security plus flexibility
Trustees can loan to beneficiaries
Becomes discretionary on second death
Assets safe from external claims
Specifically designed to safeguard your property from care fees and ensure it passes to your chosen beneficiaries. Essential for homeowners wanting certainty about their property's future.
Shield property from care assessments
Protect your share independently
Faster asset distribution
Keep property in the family
Understanding the 7-year rule and taper relief for tax-efficient wealth transfer
Potentially Exempt Transfer (PET) begins. Use your £3,000 annual exemption first.
Full inheritance tax applies if you pass away during this period.
Taper relief begins - 20% reduction in tax rate.
40% taper relief applies to gifts.
60% taper relief significantly reduces tax burden.
80% taper relief - minimal tax impact.
Gift becomes fully exempt from inheritance tax.
Get an instant estimate of your potential inheritance tax liability
Our proven 5-step process ensures comprehensive protection for your family
We understand your family structure, assets, and goals through a comprehensive consultation.
Calculate your current IHT exposure and identify opportunities for tax mitigation.
Create a tailored plan using trusts, gifting strategies, and tax-efficient structures.
Draft legally robust wills, trust deeds, and supporting documents with precision.
Regular reviews ensure your plan adapts to changing laws and family circumstances.
Get expert estate planning advice tailored to your unique situation