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TRUST PLANNING FOR INHERITANCE TAX

Can a Trust Help You Reduce Inheritance Tax (IHT)?

Trust planning for inheritance tax can be a powerful tool to manage your wealth, control how it’s passed on, and reduce your IHT liability.
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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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TRUSTS AND INHERITANCE TAX

What Is a Trust?

A trust is a legal arrangement where you (the settlor) place assets under the control of trustees to benefit chosen beneficiaries.

Trusts can:
Remove assets from your estate (for IHT purposes)
Control when and how beneficiaries receive assets
Offer protection from divorce, creditors, or poor decision-making

INHERITANCE TAX ADVICE

Are Trusts Right for Everyone?

Not always. Trusts are powerful but complex. They:
May trigger immediate or periodic IHT charges
Require legal setup and trustee management
Must be declared and reviewed regularly
That’s why advice is essential before using trusts in your IHT plan.
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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IHT TRUST ADVICE

How Trusts Can Support Estate Planning

Trusts don’t just help with inheritance tax - they can also provide greater flexibility and peace of mind. For example, a trust can ensure that vulnerable or younger beneficiaries receive funds in a controlled way, rather than as a single lump sum. They can also help protect assets in the event of divorce, bankruptcy, or other life changes, meaning more of your wealth is passed on as you intended.

Working alongside a professional adviser ensures that your trust is structured correctly and remains compliant with current tax rules. As inheritance tax rules evolve, reviewing your trust regularly is just as important as setting it up in the first place.

For full guidance on Trusts, and how utilising them in inheritance tax planning can reduce your overall IHT liability - please visit the UK government website below.
VISIT GOV.UK HERE

TRUSTS AND INHERITANCE TAX

Types of Trusts for IHT Planning

trust planning for inheritance tax

Discretionary Trusts 

Flexible control over distributions

Bare Trusts

Assets go directly to named beneficiaries

Possession Trusts

One receives income, another receives capital

Loan Trusts and Discounted Gift Trusts

Useful for freezing or reducing IHT exposure
Each type has its own tax treatment and suitability depending on your goals.
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INHERITANCE TAX ADVICE

When Trust Planning Makes Sense

Trusts are worth exploring if you:
Have significant assets you want to pass on strategically
Want to reduce your estate’s taxable value
Wish to retain some control over how wealth is passed down
Are making large gifts and want to protect them from future risks
Don't leave your loved ones with a surprise tax bill. Book your no-obligation estate review now and get expert guidance on inheritance tax planning, trusts, and estate protection.
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TRUSTS AND INHERITANCE TAX

How We Can Help: Trust Planning & IHT Advice

We offer expert guidance on:

Choosing the right trust type for IHT planning 

Whether a trust suits your financial and family goals 

Working alongside solicitors or writing trust-compatible wills 

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INHERITANCE TAX ADVICE

Get Expert Advice on Trusts & IHT Planning

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.
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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.

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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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