Estate Planning
Estate Planning Hub
What happens to your wealth when you're gone is too important to leave to chance.
Inheritance tax is catching more families every year - and the rules are changing again in 2027. These articles cover everything from trusts and gifting to life insurance and pension planning, so you can build a legacy that actually reaches the people you intend it to.
Key Topics Covered:
Inheritance tax planning
Trusts and gifting rules
Whole of Life insurance for IHT
Additional Permitted Subscription (APS)
Using business relief and investment bonds
Charitable legacy strategies
Estate Planning
Is Your Estate Plan Ready?
Most people put off estate planning until it's too late. These five questions will tell you where the gaps are.
-
1. Do you have a valid, up-to-date will?Over 60% of UK adults don't. Without one, your estate passes under intestacy rules that may bear no resemblance to your wishes.Related reading: What Happens When You Die Without a Will?
-
2. Do you know your current inheritance tax liability?IHT receipts hit a record £7.5bn in 2023/24 - and frozen thresholds mean more estates are caught each year.Related reading: Five Ways to Save Inheritance Tax
-
3. Have you updated your pension nominations recently?From April 2027, pensions will fall within your estate for IHT purposes. Who you've nominated matters more than ever.Related reading: The Double Death Tax: How Pensions Will Be Taxed from 2027
-
4. Have you considered trusts to protect family wealth?Discretionary trusts can reduce IHT liability and protect assets for future generations - but they need to be set up correctly.Related reading: How Discretionary Trusts Can Cut Your IHT Bill
-
5. Are you making the most of gifting allowances?The 7-year rule, surplus income exemption and annual gift allowances are among the most underused IHT planning tools available.Related reading: Gifting from Surplus Income: The IHT-Free Strategy Most People Miss
Featured Reading
Featured Articles
Featured
Ready to take action?