This information is restricted to readers in England and Wales due to the difference in legislation in Scotland and Northern Ireland.

Every family’s financial situation is different, which is why bespoke estate planning is essential. Whether you're passing on a business, property, or personal wealth, the right mix of strategies will protect your legacy and support your family's future.

Why Strategic Estate Planning Matters

Without planning, your estate could face:

• A 40% Inheritance Tax charge on everything above the threshold
• Legal delays in distributing assets
• Family disputes over ownership and intentions
• Unintended beneficiaries due to outdated wills or structures

Smart estate planning ensures your wishes are respected, your loved ones are provided for, and your wealth is used as you intend.

Key Estate Planning Tools We Use

1. Lifetime Gifting

Gifting during your lifetime can reduce your taxable estate — but timing, amounts, and the 7-year rule must be carefully managed to avoid unintended consequences.

2. Trusts

Trusts allow you to:

• Control how and when assets are accessed
• Protect wealth from divorce, creditors, or poor financial decisions
• Reduce IHT by moving assets outside your estate

We ensure the trust structure is tailored to your family’s needs — balancing control, flexibility, and tax-efficiency.

3. Business & Agricultural Relief (BPR & APR)

Business and agricultural assets can qualify for significant IHT relief — up to 100%. But eligibility rules are strict, and any misstep can lead to HMRC rejection. We structure ownership and shareholder agreements to protect your entitlements.

4. Life Insurance

Used effectively, life cover placed in trust can provide:

• Immediate liquidity to pay IHT
• Funds to support beneficiaries
• Protection for business continuity

It’s a simple, powerful way to ensure your estate isn’t forced into fire sales or borrowing.

5. Charitable Giving

Donating 10% or more of your estate to charity can reduce your IHT rate from 40% to 36%, while supporting causes close to your heart. It’s a win-win with careful planning.

Precision Planning for Complex Lives

The wealthier the estate, the more complex the needs. We provide:
✅ A holistic review of your personal, family, and business circumstances
✅ A bespoke strategy combining the right legal, financial, and insurance-based tools
✅ Ongoing support to adapt your plan as life evolves

Take Action Today — Protect What Matters Tomorrow

Your estate plan should reflect the life you’ve built and the future you want for your loved ones. Let us help you build a resilient, tax-efficient strategy that protects your legacy and gives you peace of mind.