Estate Planning
Inheritance Tax Planning
Reduce your estate's IHT liability and protect your family's inheritance
Overview
Inheritance Tax can claim up to 40% of your estate. With proper planning, much of it is avoidable.
We help families understand their IHT exposure, implement tax-efficient strategies, and structure their estates to minimise liability. Whether you're married, have children, own property, or have a substantial estate, we provide a clear roadmap.
Early planning is key. The earlier you involve us, the more options you have.
Key Areas Covered
What we cover as part of this service.
- IHT calculation and nil-rate bands
- Residence nil-rate band (main residence to direct descendants)
- Spouse/civil partner exemptions
- Lifetime gifts and annual exemptions
- Trust planning and structuring
- Business property relief and agricultural relief
- Life insurance and IHT-efficient structures
- Pension planning to avoid IHT
- Investment in tax-exempt assets
Common Issues We Solve
Problems we see regularly — and how we fix them.
Unplanned Estate
Without planning, your estate faces 40% IHT on amounts over the nil-rate band. Strategic gifts and planning can reduce this dramatically.
Underutilised Allowances
IHT nil-rate band is personal. If married and you don't plan, your spouse's band is wasted.
Unclear IHT Position
Many families don't know their IHT liability. Confusion leads to poor decisions. We clarify your position with a detailed plan.
Pricing for This Service
Clear fees. Fixed fee confirmed in writing before we begin.
Private Clients
£700
Best for: Families needing IHT exposure review and planning
Get Your Fixed QuoteEstate planning is strategic work; extended engagement typical.
Frequently Asked Questions
Amounts above your nil-rate band (£325k for 2024-25, or £500k with residence nil-rate band for qualifying estates). We calculate your specific liability.
Yes. Gifts within 7 years can be exempt. Annual gifts within exemptions help. Proper trust use, pension planning, and business property relief all reduce liability.
Additional allowance (up to £175k in 2024-25) when leaving your main residence to direct descendants. Can be very valuable for property owners.
Trusts can reduce IHT through spreading liability across beneficiaries, controlling wealth distribution, and avoiding repeated IHT on passing between generations. We advise based on your objectives.
Very much. Unused nil-rate band can be claimed by surviving spouse. Proper planning ensures both spouses' allowances are utilised. Major opportunity to reduce IHT.
Why Choose UA Tax
Strategic Planners
We don't just calculate IHT; we implement strategies to reduce it.
Family Integration
We understand multi-generational planning and design structures to benefit your whole family.
Long-Term Partnership
Estate planning spans years. We review and adjust as circumstances change.
Ready to discuss your estate or family tax position?
Book a consultation and we will confirm what you need and provide a fixed fee quote.