Retiring and Inheritance Tax Planning

 

Estate planning and inheritance tax

Planning for retirement, managing inheritance tax, investing for your family and making full use of tax-efficient structures are at the core of what we do.

You may also benefit from a comprehensive financial plan designed to align your wealth with your long-term goals and aspirations. Whatever you want to achieve with your money, we can help you get there – managing your investments with care and discipline to turn your plans into reality.

Business assets can qualify for valuable inheritance tax relief, meaning some or all of their value may fall outside your estate. However, this depends on the type of business and how it operates. If you sell your business, the proceeds are usually held as cash or investments, which do not qualify for this relief and are therefore fully subject to inheritance tax. Without planning, this can significantly increase the tax payable on your estate. We help you plan ahead so you can retain tax efficiencies where possible and pass on your wealth in a more effective way.

 

Retirement planning

Pension rules remain complex, particularly for higher earners and business owners. We provide clear, tailored advice to help you make confident decisions at every stage.

Our experts can help you:

  • Make full use of your annual allowance, including carry-forward where appropriate
  • Structure contributions efficiently between personal and company payments
  • Navigate pension limits and allowances following recent legislative changes
  • Create a sustainable and tax-efficient income in retirement using pensions, ISAs, investments and cash savings

Saving for retirement is one of the most important financial challenges you will face. We work with you to build a clear, long-term strategy, including:

  • Making additional pension contributions and using carry-forward rules effectively
  • Maximising pension funding opportunities while understanding allowances for higher earners
  • Reviewing your overall pension position and future tax considerations
  • Using ISAs and other tax-efficient investments to support retirement income
  • Managing your portfolio through carefully selected, high-quality fund managers

 

Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. For guidance, seek professional advice.

A pension is a long-term investment not normally accessible until 55 (57 from April 2028). The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available.

Past performance is not a guide to future performance and may not be repeated. The value of investments and the income from them may go down as well as up and investors may not get back the amount originally invested.

The Financial Conduct Authority does not regulate estate planning, tax planning or cash flow modelling.