Inheritance Tax

One of the most useful approaches to structuring assets for IHT planning is the Green, Yellow, Red framework. This simple yet powerful method categorizes wealth into three distinct tranches based on necessity and intent, allowing for clearer decision-making when implementing tax-efficient strategies.

The new rules mean that pensions will form part of an individual’s estate for inheritance tax (IHT) purposes. This blog explores the implications of these changes and what they mean for you.

In 2025, individuals are taxed at a rate of 40% on any assets exceeding £325,000 – a figure known as the nil-rate band. For those leaving a family home to direct descendants, there’s an additional £175,000 allowance called the main residence nil-rate band. Combined, this means a person can pass on up to £500,000 tax-free.

The market response to Labour winning the election was pretty calm, with minimal financial market ripples. The lack of movement was unsurprising given the overall result had already been priced in.

Inheritance tax (IHT) is a topic that often causes concern, but understanding it can help you plan more effectively for the future. Here’s a concise overview of what you need to know about inheritance tax, how it works, and ways to manage it.

Who exactly can you share your lottery winnings with, and are there any implications if you decide to generously split the jackpot with your nearest and dearest? 


Inheritances could be a ticking time bomb in family dynamics. But you can dodge family squabbles and pricey legal battles.

Did you know that your Will doesn't directly cover the money in your pension pots, nor who inherits it? So informing your pension providers about your desired beneficiaries is absolutely essential.

Most of us have heard about the 7-year gifting rule in relation to UK IHT planning. But the '7-year rule' isn't the whole picture. You need to know about the '14-year rule' Here's why ..

Ever thought about the potential taxes on your life insurance? Here's how to sidestep it, to ensure your loved ones get the full benefit.

Did you know, that in the UK, gifting out of surplus income is a powerful strategy to mitigate Inheritance Tax (IHT) without the 7-year rule? 

Finding the right balance between enjoying a comfortable retirement and preserving your savings requires careful planning and consideration.

In this blog post, we will explore the advantages of offshore bonds for UK expats and why they are worth considering as part of a comprehensive financial strategy.

A family investment company (FIC) is a legal entity that is specifically designed for wealth management and succession planning within a family.

In this blog, we will explore the concept of trust planning for UK ex-pats and highlight its significance in securing your financial future.

Financial advisers can be valuable resources for individuals seeking to manage their money and achieve their financial goals. While many people believe that financial advisers simply provide investment advice, they actually offer a range of services that can help their clients achieve financial success. In this blog, we’ll explore how financial advisers add value and the benefits they can offer.

As the population in the UK ages, many families are faced with the challenge of transferring their wealth to the next generation. This process is known as intergenerational wealth transfer and can have significant implications for both the giver and the receiver. In this blog post, we will discuss some of the key considerations for UK residents looking to transfer their wealth in 2023.

Wanted to reduce inheritance tax and ensure their money remained in the family