This is why it’s so important to start planning early. We can show you how much money you will need, help you to pass on assets in the most effective way, and work with you to reduce or manage your Inheritance Tax bill.

Many people want to keep an element of control when passing on their assets. They may want their money to be used for a particular reason, such as paying for school fees or for a first house deposit. Or they may just want to make sure their money stays within their family.

We can give you advice to ensure your money ends up with the people you want, for the reasons you choose.

Estate planning can save a huge amount of tax. Inheritance Tax is usually charged at 40% on anything above your nil rate band – so the potential tax savings can far outweigh the cost of advice.

There are many ways to manage, reduce or eliminate an Inheritance Tax bill, including: Making gifts; Using other assets to provide a retirement income and passing on your pension; Taking out a life insurance policy to cover the tax bill; Using tax-efficient investments to benefit from Business Relief.

Many people want to know their kindness is making a difference, but this can cause problems if you give away more than you can afford. We forecast your future finances and show you how to manage them to effectively. We take into account your regular spending in later life alongside any plans, such as holidays each year.