The Blincoe Blog
We write in plain English - no jargon, no waffle - just useful ideas to help you take control of your money, plan ahead, and make smarter decisions.
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“An investment in knowledge always pays the best interest.”
- Benjamin Franklin
What Happens When You Die Without a Will?
Around 60% of UK adults don’t have a Will, leaving estates distributed by intestacy rules that rarely match personal wishes or modern family dynamics.
How Discretionary Trusts Can Cut Your IHT Bill and Protect Family Wealth
In this week's blog, we're talking about discretionary trusts — one of the most flexible and practical tools in the IHT planning toolkit.
Inheritance Tax & Lifetime Gifting: How Taper Relief and Insurance Can Protect Your Estate
In this week's blog, we explore the mechanics of taper relief and how combining direct gifting with a short-term insurance policy can provide both tax efficiency and peace of mind.
How to Turn Pension Income into a Tax-Free Legacy with Life Insurance
One of the most effective estate planning strategies has been to leave your pension untouched for as long as possible. However, ‘the times, they are a-changin’, the government plans to bring pensions into the scope of IHT from April 2027.
Nil-Rate Band Trusts Explained: Smart IHT Planning for Couples
Inheritance tax (IHT) continues to affect more families each year. IHT receipts rose by 7% last year and current forecasts suggest a further 5%+ increase this year. To make matters worse, major changes to pension legislation are looming.
Gifting from Surplus Income: The IHT-Free Strategy Most People Miss
Regularly gifting from surplus income is a powerful way to pass on wealth completely free from IHT, without the usual 7-year rule
Business Relief Explained: How to Reduce IHT with BR-Qualifying Investments
Is doubling down on US equities, at the expense of global diversification, a good strategy? We think not.
Charitable bequests in IHT planning
Charitable bequests: where philanthropy meets tax efficiency.
