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Trusted advice on pensions & retirement, mortgages, inheritance tax planning, and more.

Inheritance Tax Planning Advice

How Can I Avoid Inheritance Tax?

Our guidance on inheritance tax and trusts is designed to help you protect your wealth, reduce your inheritance tax exposure, and pass on more of your legacy to the people who matter most.
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How Can I Avoid Inheritance Tax?

Why is Inheritance Tax a Growing Concern?

Inheritance tax (IHT) is charged at 40% on the value of your estate above the tax-free threshold - typically £325,000 (or up to £500,000 if the residence nil-rate band applies). With rising property and pension values, more families than ever are finding themselves liable.

The 2027 rule change will also bring unused pensions into your estate for IHT purposes - making the need for inheritance tax planning even more urgent.

How Can I Avoid Inheritance Tax?

Legal Ways to Reduce or Avoid IHT Liability

There are several strategies you can use to reduce or eliminate your inheritance tax liability:
Make use of your allowances:  Use the nil-rate band, residence nil-rate band, and spouse exemption.
Gift assets during your lifetime: Make regular or lump-sum gifts that fall outside your estate if you survive 7 years
Set up trusts: Trusts can help you pass on assets while keeping some control
Use pension drawdown wisely: Consider drawing on pensions earlier to reduce taxable value
Take out life insurance: A whole-of-life policy written in trust can help cover the IHT bill
These are all legal, HMRC-compliant methods of inheritance tax planning - but they must be carefully tailored to your personal and financial circumstances.

That’s why it’s essential to seek advice from a qualified financial adviser. An experienced, FCA-regulated adviser can help you navigate complex tax rules, avoid costly mistakes, and create a bespoke inheritance tax plan that protects your assets and maximises the value passed to your loved ones.

Don't leave your loved ones with a surprise tax bill. Book your IHT review today and get expert guidance on inheritance tax planning, pension structuring, and estate protection.

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How Can I Avoid Inheritance Tax?

Why You Should Act Before the 2027 Pension Rule Change

From 6 April 2027, most defined contribution pensions will be included in your taxable estate. That means:

Your pension could now be taxed at 40% when you die

More estates than ever will exceed the tax-free allowance

Families could lose hundreds of thousands if no action is taken

Now is the best time to act,  before the rules change and your options for reducing your inheritance tax liability narrow.
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How Can I Avoid Inheritance Tax?

How We Help You Avoid Inheritance Tax?

We offer expert advice tailored to your estate and goals:
Full pension and estate planning reviews
Personalised inheritance tax mitigation strategies
Guidance on trusts, gifting, pensions and more
FCA-registered advisers with clear recommendations

Understanding and planning for Inheritance Tax (IHT) is crucial for protecting your family's financial future. By taking proactive steps, you can ensure that more of your estate is passed on to your loved ones rather than going to the taxman.

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Free Inheritance Tax (IHT) Planning Review
Ready to take control of your estate and protect your loved ones? Complete the form below to start your personalised inheritance tax planning consultation. 
Inheritance Tax (IHT) Planning - Reduce Your IHT Liability

Tax treatment varies according to individual circumstances and is subject to change.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Approver Quilter Financial Services Limited. March 2025

Registered office address: Unit 1 Fulcrum 2 Solent Way, Whiteley, Fareham, England, PO15 7FN. Registered in England and Wales under reference 08286166
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