Inheritance Planning

Good Inheritance planning ensures your legacy becomes a gift, not a burden.

Planning for how your wealth will be passed on is one of the most important steps in securing your family’s future. Effective inheritance planning not only ensures your assets are distributed according to your wishes, but also helps minimise potential tax liabilities, protect loved ones, and provide long-term financial stability across generations.

With the right guidance, you can create a clear, confident plan that makes the most of what you’ve built and leaves a meaningful legacy.

How we can help

Inheritance tax planning helps ensure that more of your estate passes to the people you care about, rather than being reduced by avoidable tax. By making full use of the Nil-Rate Band (NRB) and other allowances, it’s possible to significantly lower the amount that may be taxed, whether that relates to property, savings, or investments.

Planning ahead also brings clarity and control. It allows you to structure your assets in a way that supports your own future needs while protecting the wealth you’ve built. Ultimately, effective inheritance tax planning provides peace of mind, reduces uncertainty for your family, and helps your legacy be passed on as smoothly and efficiently as possible.

If you're starting to think about how Inheritance Tax (IHT) could affect what you leave behind, a Gift Plan can be a simple, tax-efficient way to pass money on to the people and causes that matter to you.

What is gifting?
Gifting allows you to move money out of your estate, potentially reducing your future IHT liability, while building an investment fund for your chosen beneficiaries.

How it works
A Gift Plan typically uses an investment bond (onshore or offshore) placed into either an absolute or discretionary trust. You stay in control of how the trust works, while the people you choose ultimately benefit from the value you’ve set aside for them.

A Trust helps make sure the right money ends up in the right hands at the right time. It gives you a level of flexibility and control that a will on its own can’t always offer.

It’s easy to assume estate planning is only about what happens after you’re gone. While that’s part of it, it’s just as much about how you organise your wealth now. Good planning can help you protect the people you care about, use your assets more effectively during your lifetime, and reduce the impact of tax on what you eventually pass on.

Benefits of using a Trust

  1. Protect and pass on wealth to future generations.

  2. Keep family assets safe from issues like divorce or bankruptcy.

  3. Reduce potential Income Tax, Capital Gains Tax or Inheritance Tax.

  4. Help your beneficiaries avoid delays caused by probate.

*Trust are not regulated by the Financial Conduct Authority

Our Approach

We understand that planning your legacy is about more than money, it’s about taking care of the people and causes that matter most to you. We start by understanding your goals, your family dynamics and how you’d like your wealth to be passed on.

Our aim is to help you build a tax-efficient inheritance plan, from managing potential Inheritance Tax to structuring gifts, trusts and investments in a way that protects your wealth for future generations. And as life changes, we’ll be here to adjust your plan and keep it aligned with your wishes.

With regular reviews and expert guidance, you can feel confident that your legacy is secure, and your loved ones are supported long into the future.

Lets Get Started

Book your
no-obligation consultation

Book your 30 minute video consultation now. Select the time that works best for you and we’ll send you an invite to join a video call. We look forward to meeting you!

Alternatively, get in touch using the details below:

Phone:

07500514524

Email

nicholas.cordingley@sjpp.co.uk

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