How Our Inheritance Tax Advisers in London Help

HeirPlan’s inheritance tax advisers take time to understand your family situation and financial position. We then explain your options clearly and work with you to develop a personalised IHT plan. Our guidance typically includes:

• IHT Exposure Review: Assess the value of your estate and potential inheritance tax liabilities, including an estimate of the tax payable.
• Will and Estate Structure Review: Ensure your will, property ownership and financial arrangements align with your objectives.
• Use of Allowances and Reliefs: Help you utilise nil-rate bands, residence nil-rate band, spouse exemptions, and charitable giving reliefs where applicable.
• Gifting Strategies: Advice on lifetime gifts, annual exemptions, gifts from surplus income and potentially exempt transfers (PETs) to reduce taxable estate value.
• Trust and Family Structures: Guidance on whether trusts or family structures could help protect assets and reduce tax liabilities.
• Executor Support: Practical help for executors, including assistance with HMRC forms, deadlines and estate administration requirements.

Who We Work With

Our IHT advice in London is suited to a wide range of individuals and families, including:

• Homeowners and landlords with high-value property
• Professionals and senior executives
• Business owners planning succession
• Retirees simplifying their affairs
• Executors navigating an estate after bereavement
• Married couples, civil partners and cohabitants

We also work alongside financial advisers and other specialists to provide integrated inheritance tax planning solutions when needed.

Our IHT Advice Process

1. Discovery Call – An initial conversation to understand your priorities.
2. Information Gathering – Collecting details of your assets, liabilities and family structure.
3. IHT Assessment – Estimating your current exposure to Inheritance Tax by reviewing inheritance tax thresholds, your available tax free allowance, and considering relevant tax year rules that may affect your estate.
4. Recommendations – Clear, practical inheritance tax planning strategies to reduce or manage IHT, including how to calculate inheritance tax accurately based on your circumstances.
5. Implementation Support – Working with your solicitor, accountant or financial adviser where needed.
6. Ongoing Reviews – Updating your plan as tax legislation or personal circumstances change, and encouraging you to seek advice regularly to ensure your strategy remains effective.

Key Inheritance Tax Planning Areas We Can Discuss

HeirPlan advisers can discuss and tailor strategies relating to:

• Making use of gifting allowances and exemptions
• How property ownership affects IHT, including planning for the family home and residence nil-rate band
• The seven-year rule on gifts and potential IHT implications
• How trusts can be used to protect assets and manage tax exposure
• Using life insurance to help cover future IHT liabilities
• Business and agricultural reliefs to reduce taxable business assets
• Charitable giving as part of tax planning (charity legacies are IHT-exempt)

There is no one-size-fits-all method for inheritance tax planning. We help you compare options and determine what best serves your family’s interests.

Talk to Us About IHT Advice in London

If you want to understand your Inheritance Tax position and explore practical ways to safeguard your estate, we’re here to help.

Email us at info@heirplan.co.uk

Arrange an initial conversation and start building a clear, structured IHT plan for your family.

Important Notice

This information is for general guidance only and does not constitute legal, financial or tax advice. Inheritance Tax rules may change, and their impact depends on your personal circumstances. Always seek personalised advice before taking action.