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

Inheritance Tax Planning Advisers Hampshire

Inheritance Tax Planning Advisers - Reduce Your IHT Liability

Without smart inheritance tax planning, up to 40% of your estate could go to HMRC instead of your family. Our local Hampshire-based advisers specialise in reducing inheritance tax liability - including the future impact on pensions - so you can keep more of your wealth within the family.
BOOK YOUR CONSULTATIONOUR FINANCIAL ADVISERS  
Inheritance Tax Planning | Reduce IHT Liability | Estate Planning | IHT on Pensions

Why Inheritance Tax Planning Matters

IHT-Planning-Hampshire

Protect Your Estate

UK estates over £325,000 face a 40% tax. Additionally, the Residence Nil‑Rate Band (RNRB) and other allowances may not fully shield an increasingly valuable estate.
IHT-Planning-Hampshire

Rise in IHT Collections

HMRC collected £7.5 bn in 2023/24 
(up 5.6% year-on-year-highlighting the urgency of planning).
IHT-Planning-Hampshire

Frozen Allowances

The nil‑rate bands remain frozen until 2030, meaning property price inflation pushes more estates into higher tax brackets.

Inheritance Tax (IHT) Planning Advice in Hampshire

Secure your assets and pass on more to loved ones, not HMRC.

Inheritance Tax (IHT) Planning Advice & Services Hampshire             

Why Choose Our Hampshire IHT Advisers?

With decades of combined industry experience, our Hampshire-based financial advisers offer trusted, jargon-free guidance tailored to your estate planning goals. Whether you're looking to reduce your inheritance tax liability, protect your assets for future generations, or navigate the rules around pensions and IHT, we're here to simplify the complex and support you every step of the way.
Trusted Local Advice: Based in Hampshire, we understand the property values and family dynamics that make IHT a real concern for local households.
Clear, Jargon-Free Guidance: We make complex rules simple - whether you're using trusts, gifts, or pension strategies, you’ll know exactly where you stand.
Up-to-Date With the Latest Tax Rules: From upcoming changes to pensions and IHT in 2027 to frozen allowances and reliefs, we stay on top of the law so you don’t have to.
Trusted by Thousands Across Hampshire: Thousands of regular clients, managing over £400M in assets, and rated 4.9/5 across hundreds of independent reviews.
Transparent Fees: We offer complimentary consultations with a local inhertiance tax adviser, including a free review of your estate and assets, along with our expert recommendations. It's free, no-obligation, no pressure. Fees only apply if you choose to proceed with our advisers recommendations, we will make you aware of any associated costs from the start.

How We Can Help with Inheritance Tax

Full IHT Strategy

Covering nil rate bands, RNRB, lifetime gifting, trusts, and exemptions

Pension IHT Planning

Post Budget 2024 changes mean unused pension pots may be liable to IHT from 6 April 2027. We’ll help you model and mitigate this new risk.

Regular Reviews

Estate planning isn’t "set and forget". Regular reviews align with life changes and tax law updates.

Inheritance Tax Planning Advisers Hampshire

How to Reduce IHT Liability - Key Appraches

There’s no one-size-fits-all approach to inheritance tax, but these proven strategies can help reduce your liability and ensure more of your wealth is passed on to your loved ones - not to HMRC.
Maximise Nil Rate Bands (NRB & RNRB): Apply both the standard £325k NRB and additional RNRB up to £175k on homes passed to descendants
Lifetime Gifts & 7-Year Rule: Gifts made >7 years before death are excluded; taper relief offers discounts if less than 7 years
Trusts & Exempt Transfers: Trusts let you retain control while reducing exposure to IHT and protecting beneficiaries
Charity & Small Exempt Gifts: Charitable donations can reduce IHT rate to 36%; plus annual exemptions of £3k and small gift allowances
RNRB on Down-sizing: Even after moving, you may still claim RNRB based on the original home’s value

Your IHT Appointment, Your Way!

Prefer to meet face-to-face? Our Hampshire-based advisers are happy to welcome you into our local office, visit you at home, or even a local cafe. We also offer phone and video appointments – so whether you're at home, at work, or on the go, our Inheritance Tax (IHT) advice fits around your lifestyle.
Financial Adviser Fareham

In Person

Financial Adviser Fareham

Telephone

Financial Adviser Fareham

Video Call

Inheritance Tax on Pensions: The Latest Update

Pensions Currently IHT-Free

Unused funds in most UK registered pension schemes are not currently counted as part of your estate for inheritance tax purposes.

Changes from April 2027

Under Autumn Budget 2024 proposals, pensions may become subject to IHT from 6 April 2027 - a major shift for estate planning.

Why It Matters

Many people rely on pension flexibility to pass on wealth tax-efficiently. These changes could significantly impact your beneficiaries.

Plan Ahead Now

We can help you review your pension strategy early and explore options to protect your estate from unnecessary tax in future.
Inheritance Tax (IHT) Planning Advice & Services Hampshire

Book Your Free Inheritance Tax Consultation

We offer complimentary consultations with a local Fareham financial adviser, including a free review of your assets, along with our expert recommendations. It's free, no-obligation, no pressure. Fees only apply if you choose to proceed with our advisers recommendations, we will make you aware of any associated costs from the start.
BOOK YOUR CONSULTATIONOUR ADVISERS

Inheritance Tax Planning Advisers Hampshire

Don't Lose 40% of your estate to HMRC - Take Control and Protect Your Wealth

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.
01489 585 548
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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