Inheritance Tax Planning
Protect Your Legacy from 40% Tax
Plan ahead to minimize your Inheritance Tax exposure.
£250M
Resolved in Client Tax Debt
3,000
Resolved Cases in 2023
30,000
Satisfied Clients To-Date
We’ve Helped
Families Save Millions in Inheritance Tax
Business Park Construction
Total Spend: £150,000,000
PMA’s Identified: £45,000,000
SBA’s Identified: £70,000,000
Total Cash Saving:
£62,500,000
Hotel Refurbishment
A hotel owner in the approached us seeking to reduce their tax bill. By accurately identifying and claiming Capital Allowances on their hotel’s heating and lighting systems, we delivered a cash saving of £1,125,000, which they have since reinvested into their business.
Total Spend: £5,000,000
PMA’s Identified: £3,500,000
SBA’s Identified: £1,000,000
Total Cash Savings for the project:
£1,125,000
Shop and Managers Accommodation
A client purchased a high street property with two retail units and managers accommodation above. The property was purchased by an individual. Capital Allowances we offset again income tax (40%)
Total Spend: £550,000 (incl SDLT)
PMA’s Identified: £175,000
SBA’s Identified: N/A
Total Cash Savings for this property:
£70,000
What is Inheritance Tax Planning with Trusts?
Inheritance Tax (IHT) is levied at a rate of 40% on estates above the £325,000 threshold.
For property owners in the UK, it’s easy to exceed this limit. Trusts allow you to move property out of your estate, helping to reduce your IHT bill and protect your wealth.
Inheritance Tax Planning With Trusts Save Your Estate Thousands
Metrics
Scenario A – Property Placed into Trust
Scenario B – Property Remains in Estate
Estate Value
£1,500,000
£1,500,000
Inheritance Tax (40%)
£0
£600,000
Tax Saving
£600,000
£0
Outcome
Tax-free inheritance for your beneficiaries
40% tax on the estate value, reducing what is passed on
By transferring property into a trust, your estate reduces, and you can save your heirs thousands in tax.
Do You Qualify for Inheritance Tax Planning with Trusts?
If you own property in the UK and have an estate worth more than the nil-rate band, you likely qualify for IHT planning with trusts.
You can benefit from trusts if:
- You own property, including buy-to-let or commercial property
- You have an estate that exceeds the £325,000 threshold
- You want to pass your property on to your beneficiaries with minimal tax impact
Dan Cruickshank
Property & Personal Tax Planning Expert
Why Use a Specialist?
But Isn’t It Simple to Set Up a Trust?
Trusts can be complex and require careful planning. Here’s why it’s crucial to use a specialist:
- Legal Complexity: Trusts must align with legal and tax rules to be effective.
- Tailored Solutions: A specialist ensures your goals are met whether that’s keeping rental income, protecting assets, or minimizing taxes.
- Optimising Tax Reliefs: Proper structuring maximizes exemptions and tax reliefs.
- Future-Proofing: Trusts can be adjusted as laws change without needing to start over.
Receive a FREE IHT Planning Guide worth £197 upon completion
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FAQs
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