At HeirPlan, we deliver structured IHT planning advice for business owners across the United Kingdom.

Our approach includes:

Comprehensive Estate and Business Review

We analyse shareholdings, company activities, group structures and estate exposure to assess inheritance tax risk.

Business Property Relief Assessment

We review trading status, asset mix and corporate arrangements to help preserve BPR eligibility and reduce challenge risk.

Share Restructuring and Succession Planning

We advise on share classes, growth allocation and intergenerational ownership structures to facilitate tax efficient succession.

Integration of Trust Structures

Where appropriate, we incorporate trusts to manage value transfer while retaining control.

Business Property Relief can offer up to 100 percent inheritance tax relief on qualifying business interests. However, eligibility depends on careful structuring and ongoing compliance.

We help business owners:

• Identify risk areas that could compromise relief
• Separate trading and investment activities where necessary
• Manage surplus cash exposure
• Review property ownership structures
• Prepare for potential HMRC scrutiny

Inheritance tax planning for business owners must anticipate legislative change and regulatory challenge. We design planning frameworks that prioritise robustness and defensibility.

For many business owners, inheritance tax planning is inseparable from succession planning.

We assist with:

• Introducing the next generation gradually
• Freezing estate value while transferring growth
• Protecting minority family shareholders
• Establishing governance mechanisms
• Aligning wills with corporate documentation

Effective IHT planning advice for business owners ensures that succession does not trigger unnecessary tax or operational disruption.

Our inheritance tax planning for business owners is typically suited to:

• Owners of trading companies with significant retained value
• Entrepreneurs approaching succession or retirement
• Directors with estates exceeding three to five million pounds
• Families seeking long term control and wealth preservation
• Business owners considering sale within the next five to ten years

If your business represents a substantial portion of your estate, early IHT advice for business owners can deliver significant long term benefit.

We focus exclusively on structured inheritance tax planning in the UK.

Our work is:

• Strategic rather than product led
• Coordinated with professional advisers
• Tailored to complex estates
• Designed for long term capital preservation

We understand the commercial realities faced by business owners. Our advice balances tax efficiency with operational continuity and family governance.