close
Expert Inheritance Tax (IHT) Advice UK Wide
Don't leave it too late - start reducing your inheritance tax (IHT) liability today.
GET STARTED

HOW CAN I AVOID INHERITANCE TAX

How Can I Avoid Inheritance Tax (IHT)?

Our expert guidance on IHT, trusts, and tax-efficient strategies is designed to help you protect your wealth, reduce your inheritance tax exposure, and pass on more of your legacy to the people who matter most.
CHECK YOUR IHT LIABILITYINHERITANCE TAX ADVICE

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.
GET A FREE ESTATE REVIEW

HOW CAN I AVOID INHERITANCE TAX

Why Inheritance Tax Is a Growing Concern?

Inheritance tax (IHT) is charged at 40% on the value of your estate above the tax-free threshold - typically £325,000 (or up to £500,000 if the residence nil-rate band applies). With rising property and pension values, more families than ever are finding themselves liable.

The 2027 rule change will also bring unused pensions into your estate for IHT purposes - making the need for inheritance tax planning even more urgent.
CHECK YOUR IHT LIABILITY

HOW CAN I AVOID INHERITANCE TAX

Legal Ways to Reduce or Avoid Inheritance Tax

There are several strategies you can use to reduce or eliminate your inheritance tax liability:
Make use of your allowances: Use the nil-rate band, residence nil-rate band, and spouse exemption.
Gift assets during your lifetime: Make regular or lump-sum gifts that fall outside your estate if you survive 7 years
Set up trusts: Trusts can help you pass on assets while keeping some control
Use pension drawdown wisely: Consider drawing on pensions earlier to reduce taxable value
Take out life insurance: A whole-of-life policy written in trust can help cover the IHT bill
These are all legal, HMRC-compliant methods of inheritance tax planning - but they must be carefully tailored to your personal and financial circumstances.

That’s why it’s essential to seek advice from a qualified financial adviser. An experienced, adviser can help you navigate complex tax rules, avoid costly mistakes, and create a bespoke inheritance tax plan that protects your assets and maximises the value passed to your loved ones.
Don't leave your loved ones with a surprise tax bill. Book your IHT review today and get expert guidance on inheritance tax planning, pension structuring, and estate protection.
BOOK NOW
How Can I Avoid Inheritance Tax?

Why You Should Act Before the 2027 Pension Rule Change

From 6 April 2027, most defined contribution pensions will be included in your taxable estate. That means:

Your pension could now be taxed at 40% when you die

More estates than ever will exceed the tax-free allowance

Families could lose hundreds of thousands if no action is taken

Now is the best time to act, before the rules change and your options for reducing your inheritance tax liability narrow.
REDUCE YOUR IHT LIABILITY TODAY
How Can I Avoid Inheritance Tax?

How We Help You Avoid Unnecessary IHT

We offer expert advice tailored to your estate and goals:
Full pension and estate planning reviews
Personalised inheritance tax mitigation strategies
Guidance on trusts, gifting, pensions and more
Financial Conduct Authority Authorised Advisers with clear recommendations

Understanding and planning for Inheritance Tax (IHT) is crucial for protecting your family's financial future. By taking proactive steps, you can ensure that more of your estate is passed on to your loved ones rather than going to the taxman.

We offer complimentary consultations with a local financial adviser, including a free review of your assets and estate, along with our expert recommendations. There’s no obligation - fees only apply if you choose to proceed with our advice.
How Can I Avoid Inheritance Tax?

Common Questions About Inheritance Tax

Can I completely avoid inheritance tax?

Yes, some estates can be structured to fall fully within exemptions - but not all. We’ll help you understand your potential liability.

Are pensions still exempt from inheritance tax?

From April 2027, most unused pensions will count towards your taxable estate. Planning ahead is key.

Can I protect my home from IHT?

Potentially – depending on your circumstances, trusts, gifting, and the residence nil-rate band may apply.

Avoid Inheritance Tax with Expert Advice 

Our IHT 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.
Appointment 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.
BOOK NOW
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

chevron-down