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About Inheritance Tax
IHT Planning
- - Inheritance Tax Planning
    - Gifting
      You may assume that it’s relatively easy to mitigate IHT by gifting assets to loved ones, but this is not always the case.
    - Whole of Life
      This option could be more suitable and will pay the benefit amount on death, regardless of when that is.
    - Loan Trust
      A loan trust is used to move future accumulation of capital outside of a taxable estate.
    - Discounted Gift Trust
      An arrangement for those who wish to undertake inheritance tax planning but also need an income.
    - Flexible Reversionary Trust
      The FRTs are effective for IHT planning purposes and are versatile in meeting the client’s income needs.
    - Business Property Relief
      Allowing small businesses to be passed through the generations without incurring an Inheritance Tax liability.
  - IHT Planning with Retirement Planning
    - IHT Planning with Retirement Planning
      
      These two subjects are inextricably linked in that a decent retirement plan can enhance an IHT plan.
      
      While no IHT will be paid (before 06 April 2027), if the pension holder is over 75 at the time of death the beneficiaries will be liable to income tax on pension benefits drawn. I.e. if no benefits are drawn, no income tax is paid.
      
      Read More
  - Residential Nil Rate Band
    - Residential Nil Rate Band
      
      Tax treatment varies according to individual circumstances and is subject to change.
      
      The RNRB is now an essential aspect of your IHT planning. In particular, for marginal estates that breach the tapering level, managing the estate to maximise RNRB is possible and worthwhile.
      
      The rules are such that there is usually not a great deal you can do to maximise RNRB, but individual situations can offer some unique opportunities that should be discussed and utilised.
      
      Read More
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Why Use Us?

We specialise in assisting clients to mitigate inheritance tax legally and without touching the grey areas of tax avoidance and evasion.

Don’t misinterpret, IHT planning IS tax avoidance; however, many have started using ‘avoidance’ to refer to ‘contrived’ tax planning, but the widely accepted definition of ‘avoidance’ is ‘legal tax planning.’

Learn Moreor contact us

We have many years of experience to help you in your decision making process…

We have been offering this service for many years and we are more than experienced to help you in your decision-making process.

Inheritance Tax itself sounds daunting however, we are here to ease the process for you.

There are numerous ways to mitigate Inheritance Tax Planning (IHT), but we find that the majority of cases utilise a combination of the following:

Inheritance tax planning traffic light comparison

	Access	Speed	Simple	Control	Cost
Gifting
Whole of Life
Loan Trust
Discounted Gift Trust
Flexible Reversionary Trust
Business Property Relief

How each of the solutions fare in relation to these issues is indicated above using a traffic light system; green being the most favourable.

Please note: this graphic is subjective to change, not every expert will agree on the distribution of colours. There is much more to know before you act and that you should always seek financial advice first.

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Start planning today…

Our company has the expertise to help clients navigate the complexities of inheritance tax, enabling them to make the most of their assets.

If you’re confused about inheritance tax, or you’d like to learn more about getting your affairs in order, our specialist service is here to help.

Business Property Relief Schemes invest in assets that are high risk and can be difficult to sell such as shares in unlisted companies. The value of the investment can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits.

IHT Planning is best dealt with holistically, taking into account all of your finances and goals

We have many years of experience in advising clients across the country who wish to protect their estate, and we provide a tailored service for each individual. Our company is well qualified to answer questions and enable you to organise your assets.

Based in Devon

Verified client

They gave me their time to help choose the best options for me going forward and to help plan for down the line. I know I'm in good hands.

Based in London

Verified client

He has taken over from previous adviser and has provided an excellent service so far to try to ensure our long term financial goals can be met.

Based in Cumbria

Verified client

Ripley Wales Financial Planning have looked after our finances now for over ten years and we feel more than qualified, on that basis, to unreservedly recommend their services.

Based in Cambridgeshire

Verified client

They have managed my pension and income drawdown, keeping in touch regularly about decisions to be made, and making useful strategic suggestions.

Based in East Sussex

Verified client

They did a great assessment on risk and a gained a detailed understanding of my goals and set a course accordingly.

Based in London

Verified client

Managed all my affairs extremely well. Have also shown great patience and understanding in areas that I did not previously understand.

Based in Cornwall

Verified client

They showed me what was possible, what I needed to do to achieve this and a likely outcome. But also pointed out the possible high's and the low's.

Based in Devon

Verified client

They were very knowledgeable and professional without any awkwardness, I immediately felt relaxed and confident that they could assist me.

Based in London

Verified client

Consolidated my husband my pensions into a joint pension. Reviewed and advised on finances in future retirement.

Based in Hertfordshire

Verified client

Ripley Wales Financial Planning advised me on the best ways to protect my pension fund and how to plan for my desired future.

Based in Buckinghamshire

Verified client

They keep a keen interest in the performance of the investments within the pension and advise me when they think we should change anything.

Based in London

Verified client

Superb advice and support, giving us complete confidence that our financial planning is taken care of.

Based in Cornwall

Verified client

By looking at our personal situation and finances they started investing for us, by assessing our comfort levels for 'risk' and tailoring our investments.

If you have any questions or queries call us on: 0800 093 4115

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