Passing on my wealth
You've worked hard for your money. We'll help you make sure it keeps working hard for your loved ones. Whether you need help navigating inheritance tax or gifting, we're here to support youWe turn wishes into actions
Tell us what you want done after you’re gone, and we’ll let you know how to plan for it. So while we handle the trust structures and tax implications, you can get on with the rest of your life.
A plan as unique as you
Your dedicated adviser will get to know your hopes and plans. And they’ll help you navigate the complex world of trusts, gifts, taxes and property so you can relax knowing everyone will be taken care of.
Work with trusted partners
We work closely with an extended network of solicitors and accountants who can help put your plans into action and avoid complications down the line.
Face-to-face or virtual
Your dedicated adviser is on hand however works best for you – whether that’s over a coffee or a video call.
Make inheritance less taxing
You don’t want your loved ones to get hit with an unexpected tax bill – or to pay more than they need to. We’ll help you plan well ahead to make sure your estate is tax-efficient.
Leave a legacy
There are lots of ways to keep supporting the causes close to your heart after you’re gone. We’ll guide you through them – whether you want to leave specific cash gifts or assets, or prefer that your trustees choose who benefits.
Plan while you can
No-one likes to think about it, but there might come a time you’re not able to manage your affairs yourself. We’ll advise you on how to make sure your wishes are carried out no matter what – like setting up Powers of Attorney just in case.
Not sure if you need financial planning? Ask yourself these questions:
Have I made it easy for my loved ones?
Inheritance tax is affected by the kind of assets you leave behind as well as the amount. And perhaps you want to make gifts while you’re here to see your family and friends enjoying them. Expert advice helps you plan to pass on wealth without passing on problems.
Can I see what’s coming?
No-one has a crystal ball, but our chartered firm can map out a path that accounts for shifts you might not see coming. So you can make sure your money keeps working hard for you and for generations to come.
Do I have access to the best advice?
We’ve offered high-end financial expertise for decades – and we’re backed by Schroders. Beyond that, our clients tell us there’s nothing else quite like the insight, support and cutting-edge technology we bring to the table to help them go further than they ever thought possible.
Need help answering these questions?
Our dedicated advisers are happy to help.
What can we help you plan for?
More to explore
Your Inheritance tax questions answered
Inheritance tax is a tax on your estate. Your estate is everything you leave behind when you die. How much can be passed on free of inheritance tax depends on the value of the estate and the available allowances.
Most people can leave up to £325,000 without inheritance tax (the inheritance tax threshold).
If a main home is left to children or grandchildren, an extra £175,000 allowance may apply. This is known as the residence nil-rate band. This allowances tapers away for estates over £2 million and is lost completely for estates over £2.35 million.
This means an individual could leave up to £500,000 tax‑free.
For married couples and civil partners, unused allowances can usually be combined, meaning up to £1 million can potentially be passed on without inheritance tax.
There is no inheritance tax to pay on anything left to:
- A spouse or civil partner
- A registered charity
- A registered community amateur sports club, such as a local sports club
Anything above the available allowances is normally taxed at 40%, although inheritance tax planning can significantly reduce this. For example, the rate of inheritance tax can be reduced to 36% on some assets if you leave 10% or more of the ‘net value’ to charity in your will (the net value is the estate’s total value minus any debts.)
The Financial Conduct Authority does not regulate estate planning or tax planning.
Yes, you can gift £100,000 to your child, but it may still be relevant for inheritance tax.
If you live for at least seven years after making the gift, it is usually inheritance tax‑free under the 7‑year rule. If you die within seven years, some or all of the gift could be added back into your estate and taxed at up to 40%.
While it’s often said that £3,000 per year can be gifted tax‑free, this exemption is dependent on other gifting rules, including whether previous allowances have been used and how the gift is structured. Larger gifts above this amount are usually treated as potentially exempt transfers.
Because gifting rules can overlap and catch people out, speaking to an adviser can help ensure gifts are made tax‑efficiently and don’t create unexpected inheritance tax issues later.
The Financial Conduct Authority does not regulate estate planning or tax planning.
For most families, inheritance tax rates and allowances are not increasing in 2026, but some important changes and freezes mean more estates may be affected.
- The inheritance tax rate remains 40%.
- The main £325,000 inheritance tax threshold stays frozen.
- The £175,000 residence nil‑rate band also remains frozen.
Because these allowances are frozen until at least 2031, rising property values mean more people may be pulled into paying inheritance tax over time. The residence nil-rate band tapers away for estates over £2 million and is lost completely for estates over £2.35 million.
Key changes in 2026 mainly affect business owners and farmers. From April 2026:
- Full inheritance tax relief on qualifying business and agricultural assets is capped at £2.5 million per person
- Any value above this may face an effective 20% inheritance tax charge
- Inheritance tax relief on AIM shares is reduced from 100% to 50%
Looking ahead, unused pension funds are expected to come into the inheritance tax net from April 2027, making forward planning increasingly important.
The Financial Conduct Authority does not regulate estate planning or tax planning.
There is no inheritance tax on the first £325,000 you leave when you die. This is known as the inheritance tax threshold.
If the value of your estate, or the part not left to a spouse or civil partner, is below £325,000, no inheritance tax is due. There’s also no inheritance tax on anything left to a spouse, civil partner, registered charity or community amateur sports club.
If you leave your main home to your children or grandchildren, you may qualify for an additional residence nil rate band, currently worth up to £175,000. This means an individual could potentially leave up to £500,000 without inheritance tax.
For married couples and civil partners, unused thresholds and residence allowances can usually be combined, allowing up to £1 million to be passed on tax free when a home is left to direct descendants.
The Financial Conduct Authority does not regulate estate planning or tax planning.
In the UK, there is no fixed limit on how much money you can gift, and you don't usually need to inform HMRC when they're made. However, some gifting rules matter for inheritance tax:
You can usually gift up to £3,000 each tax year that is immediately inheritance tax free.
Small gifts of up to £250 per person per year may also be exempt, if other allowances are not used.
Larger gifts are normally allowed, but they may count towards inheritance tax if you die within seven years.
You don't normally need to declare gifts to HMRC unless inheritance tax becomes payable later. Because gifting allowances can overlap and depend on your wider situation, speaking to an adviser can help ensure gifts are made tax efficiently and without unexpected consequences.
The Financial Conduct Authority does not regulate estate planning or tax planning.
In most cases, no. If someone gives you money as a gift, you do not usually pay any tax on receiving it in the UK.
The gift may be relevant for inheritance tax, but this is normally assessed on the person who gave the money, not the person who received it. If the person who made the gift dies within seven years, the gift could be taken into account when valuing their estate.
The Financial Conduct Authority does not regulate estate planning or tax planning.
