Contact Us
  // Open Popup ID 1058 if any element with .header--nav__button
document.querySelectorAll('.header-nav-button').forEach( (el) => {
	el.addEventListener('click', () => {
		bricksOpenPopup(XXX)
	})
})
document.querySelectorAll('.header-nav--parent').forEach(li => {
  const toggle = li.querySelector('.brx-submenu-toggle');
  if (!toggle) return;

  const a = toggle.querySelector('a');
  const button = toggle.querySelector('button');
  if (!a || !button) return;

  // Move the label text into the button (prepend before the SVG)
  const labelText = document.createTextNode(a.textContent);
  button.prepend(labelText);

  // Remove the <a> tag
  a.remove();
});

Inheritance Tax and Estate Planning

Passing on wealth without losing sight of your own future

Passing on wealth without losing sight of your own future

Inheritance tax planning is not simply about reducing a future tax bill.

A good estate plan should also ensure that you retain enough money for your own lifetime, that assets pass to the right people and that any gifts or arrangements reflect your wider family circumstances.

We help you understand the potential inheritance tax position and consider the available planning options as part of your overall financial plan.

Speak to us about your estate

Do I have an inheritance tax problem?

An estate can include more than savings and investments. Property, business interests, life assurance, trusts and other assets may all need to be considered.

We can help you:

  • estimate the potential value of your estate;
  • understand the allowances and exemptions that may apply;
  • identify how ownership and beneficiary arrangements affect the position;
  • consider how your estate may change over time; and
  • assess whether action is needed now.

Tax rules and personal circumstances change, so inheritance tax planning should be reviewed rather than treated as a one-off exercise.

Gold coins stacked on financial documents representing pensions, inheritance tax and charitable estate planning © Pexels

Can I afford to give money away?

Many people would like to help children, grandchildren or other family members during their lifetime, but worry that they may later need the money themselves.

We use cashflow planning to test the effect of proposed gifts on your future financial security. This can include considering different levels and timings of gifts, future expenditure, inflation, investment returns and possible care costs.

The aim is to help you make informed decisions without creating unnecessary risk for your own future.

Estate planning options

Depending on your circumstances, planning may include:

  • making outright lifetime gifts;
  • regular gifts from surplus income;
  • using trusts where appropriate;
  • reviewing pension and death benefit nominations;
  • arranging life assurance to provide funds for a potential liability;
  • considering investments that may qualify for inheritance tax relief;
  • planning the ownership of assets between spouses or partners; and
  • coordinating your financial arrangements with your Will and Powers of Attorney.

Not every available relief or product will be suitable. We compare the potential tax benefit with the cost, investment risk, loss of access and complexity involved.

Request a Consultation

Working with your other advisers

Estate planning often involves financial, legal and tax considerations.

We work alongside your solicitor and accountant to help ensure that investment, pension and financial planning recommendations fit with your Will, trusts, business arrangements and wider estate plan.

We do not draft Wills or legal documents, but we can identify where updated legal advice may be needed and help coordinate the different parts of the plan.

Keeping the plan under review

Your estate, family circumstances and tax rules will change. Gifts may be made, assets may be spent and the financial needs of different family members may develop.

We review the estate plan alongside your wider financial plan and recommend changes when appropriate.

Speak to us about your estate

Wingate is an independent firm of Chartered Financial Planners based in Caterham, Surrey.

Contact us to arrange an initial conversation about inheritance tax, lifetime gifts and your family’s financial future.

The Financial Conduct Authority does not regulate inheritance tax planning, estate planning, trusts or Will writing.

Footer Contact Form

Please refer to our Privacy Statement to see how we use your personal information.