Our services

Providing a guide to ensure your finances and assets are managed to safeguard your future generations.

It may come as a shock to discover that a large proportion of your wealth might be subject to Inheritance Tax when you die.  This includes all of your assets such as the family home, investments, life assurance plans not in Trust and even old family heirlooms.

Your estate will be subject to IHT if, when you die, if it exceeds the individual nil-rate band which currently stands at £325,000.  Calculating how much your family will have to pay is often, although not always, simple.

Count up the value of all the assets, subtract the nil-rate band and the RNRB if applicable and what is left will be taxed at up to 40% – paid for by your estate.  If your spouse dies before you without fully using their nil-rate band, the unused amount can be carried forward to use when you die.  The levels and bases of taxation and reliefs from taxation can change at any time. Tax relief is dependent on individual circumstances.

Careful IHT planning is all about passing as much of your estate as possible to who you want to receive it, rather than to HMRC.  It’s also about maintaining flexibility and control over any arrangements that are made.

  • The nil rate band (which is often abbreviated to NRB, is the basic tax-free threshold) is £325,000 per person

  • The main residence nil rate band (or RNRB – which refers to your family home) is £175,000 per person

  • The IHT rate is 40%, but it’s only charged on the part of your estate that’s above the threshold.

Get in touch with us today

With many thousands of satisfied clients we take our duty of care obligations very seriously, we look forward to hearing from you.

Our services

Other ways in which we can support you today.


Forgetting about all the technical talk, a pension is simply a tax efficient way of providing for your retirement.


We can advise on all forms of life cover to protect your loved ones. We can also provide Inheritance Tax Planning services.


Buying a home is probably the biggest purchase that you will ever make and choosing the right mortgage product is essential.