Estate Planning
Family Wealth Planning
Integrate tax planning across your whole family's wealth
Overview
Family wealth extends beyond one person - spouses, children, trusts, and business interests all interact tax-wise.
We take a family-wide view, advising on structures and strategies that benefit your whole family tax-efficiently. From annual gifting to trust planning to business succession, we integrate your family's financial plan with tax optimisation.
Key Areas Covered
What we cover as part of this service.
- Spousal income splitting and tax optimisation
- Children's allowances and income tax planning
- Multi-generational gifting strategies
- Trust use within family structures
- Business succession and family ownership
- Investment portfolio optimisation across family members
- Pension planning integration
- Family voting and control structures
Common Issues We Solve
Problems we see regularly — and how we fix them.
Individual Planning Without Family Integration
Many families plan individually without considering family-wide optimisation. Coordinated planning improves everyone's position.
Inefficient Structures
Family businesses or investment structures often evolved without tax planning. Restructuring can improve efficiency.
Missed Coordination Opportunities
Spouses may each waste personal allowances, or children's allowances go unused. Coordination captures these opportunities.
Pricing for This Service
Clear fees. Fixed fee confirmed in writing before we begin.
Private Clients
£700
Best for: Families needing coordinated multi-generational tax planning
Get Your Fixed QuoteFamily planning is typically strategic; extended engagement usual.
Frequently Asked Questions
Often yes. Spouse shareholding allows dividend splitting, uses both people's allowances, and facilitates succession. We advise based on your business and family situation.
Annual exemptions allow £3k per child per year tax-free. Further gifting uses other exemptions. Trusts can hold gifts for children until adulthood. We advise a family gifting strategy.
Depends on family structure, succession wishes, and tax position. Trusts offer flexibility and control but add complexity. We advise based on your objectives.
Use nil-rate bands of both spouses, make strategic gifts, use trust structures, and plan insurance. Family-wide planning optimises across generations.
Why Choose UA Tax
Integrated Advice
We don't advise individually; we optimise for your whole family.
Long-Term Vision
We help you structure wealth to benefit multiple generations.
Coordination
We coordinate with your accountant, solicitor, and financial adviser for complete planning.
Ready to discuss family wealth planning?
Book a consultation and we will confirm what you need and provide a fixed fee quote.