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Expert Inheritance Tax (IHT) Advice UK Wide
Don't leave it too late - start reducing your inheritance tax (IHT) liability today.
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INHERITANCE TAX ADVICE & SERVICES

Our IHT Services 
& Advice Areas

We help UK clients protect their pensions, reduce inheritance tax, and pass on more wealth to their loved ones - with clear, personalised financial advice.
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Contact Our Team

Whether you’re ready to book a review or just have a quick question, we’re always happy to hear from you.
01489 585 579

Book Your Free Estate Review

Use our secure form to choose your preferred date and time.
Our IHT consultations are free and without obligation. If you decide to proceed with our advisers recommendations, a fee may apply.
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Not Sure If You’re at Risk of Inheritance Tax? Use our free calculator to check your potential inheritance tax liability in under 2 minutes.
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INHERITANCE TAX ADVICE & SERVICES

Financial Advice You Can Trust

Whether you’re already over the inheritance tax threshold or just want to plan ahead, we offer expert support across all major areas of IHT and estate planning:

Inheritance Tax (IHT) Planning Advice

Understand your liability and explore legal, tax-efficient ways to reduce the 40% tax on your estate.
Estate reviews and IHT calculations
Threshold and nil-rate band planning
Strategic planning to protect beneficiaries
IHT ADVICE

Pension Advice (Including the 2027 Rule Change)

With pensions being included in your estate from 2027, planning is more important than ever.
Advice on drawdown and tax-efficient use
Spousal pension planning
Using pensions to reduce IHT exposure
PENSION ADVICE

Inheritance Tax Trust Planning

Set up trusts to pass on assets while maintaining control and reducing your taxable estate.
Discretionary trusts
Lifetime trusts
Advice on legal structure and use cases
TRUSTS ADVICE

Gifting Strategies for IHT

Give more during your lifetime with a clear, HMRC-compliant plan.
7-year gifting rules
Annual exemptions and regular gifts
Family gifting plans
GIFTING ADVICE

Whole-of-Life Insurance

Use insurance to offset or cover future IHT liabilities.
Whole of life cover written in trust
Protection for large estates
Free Quotes & Guidance
WHOLE-OF-LIFE ADVICE

Estate & Legacy Planning

Plan ahead to ensure your wishes and financial arrangements work together.
Coordination with wills and legal teams
Legacy planning to support family
Multigenerational planning
ESTATE PLANNING

Wills Writing & Legal Referrals

Ensure your estate is passed on exactly as you intend with a professionally drafted, legally binding will. We work closely with trusted partners to offer will writing services that complement your inheritance tax and estate planning goals. This ensures your wishes are aligned with your financial strategy and family structure. 

We refer to Legacy Wills for professional will writing services.
Will Writing is not regulated by the Financial Conduct Authority.
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INHERITANCE TAX ADVICE & SERVICES

Get Personal Advice for Inheritance Tax Planning and Mitigation

We provide regulated, FCA-authorised advice with complete transparency - no pressure, no hidden fees. Our advisers are committed to delivering clear explanations and tailored plans based on your unique financial situation and goals.
Our Inheritance Tax consultations are free and without obligation. If you decide to proceed with our advisers recommendations, a fee may apply but we’ll always be transparent and discuss any costs with you upfront.
General Enquiry Form

Privacy Policy

Inheritance Tax Planning, Estate Planning and Trusts are not regulated by the Financial Conduct Authority.

Tax treatment varies according to individual circumstances and is subject to change.

Worried About Inheritance Tax (IHT)?

Book Your IHT Estate Review Today. 
Our review includes a full assessment of your estate and pensions, along with expert guidance on how to mitigate your inheritance tax liability.
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Inheritance Tax on Pensions is a trading style of Beals Mortgage and Financial Services Ltd an appointed representative of Quilter Financial Services Limited which are authorised and regulated by the Financial Conduct Authority.

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 August 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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