Estate & Inheritance Tax Planning
Protect your legacy
Passing wealth to future generations in a tax-efficient and orderly way is a key aspect of our services. We provide strategies to minimise tax for your beneficiaries, safeguard your assets, and to make sure your family get the value you intend they will get when you pass.
Inheritance Tax (IHT) planning
IHT applies when estates exceed the Nil Rate Band (£325,000), with a current rate of 40% on the excess. Planning can often reduce this burden without affecting your own financial security.
We consider factors such as:
- Current and projected income and costs
- Capacity to make gifts without compromising your lifestyle
- Family circumstances and special considerations
- Up-to-date Wills and Powers of Attorney
Flexible, responsible planning
We use lifetime cashflow modelling to test different scenarios and provide clarity on how planning decisions affect your long-term financial position. This helps address questions such as:
- What if investment values fluctuate?
- What if unexpected expenses arise?
- How will gifts or transfers impact my future income?
Key planning options
Depending on your circumstances, strategies may include:
- Lifetime gifts to family
- Gifts into trusts
- Loan or discounted gift trusts
- Use of annual exemptions and allowances
- Gifting from surplus income
- Life insurance to cover liabilities
- Charitable giving
Each option is considered carefully to ensure your own financial needs are prioritised while maximising benefits for your loved ones.
Expert guidance, tailored to you
With complex rules and long-term implications, estate and inheritance tax planning requires careful, personalised advice.
At FD Wealth, we help you navigate the options, achieve potential tax efficiencies, and maintain flexibility for life’s uncertainties.
We aim to give you Financial Peace of Mind knowing your estate is structured to meet your goals.
Contact FD Wealth today for a no-obligation consultation.
Contact Us
Schedule a free, no-obligation consultation today. Our experienced team is here to provide expert advice tailored to your unique needs.