Passing down wealth

Estate planning and inheritance tax planning for your peace of mind

Our approach to estate planning and inheritance tax planning helps keep your tax obligations to a minimum, so your loved ones receive as much of your assets as possible.

This means peace of mind for you now, and clarity and security for those you leave behind.
A couple in their 60s looking for inheritance tax and legacy planning advice.

How we help

Estate planning
Careful estate planning can help you pass on more of your wealth without the burden of unnecessary taxes. We’ll help you consider various options such as a will and estate planning, trust and estate planning, and gifting–structuring your assets so that they will be passed on, tax efficiently, to the people you choose, in a way that reflects your wishes.

Your specific situation will determine what’s best for you and your family. As you begin the estate planning process, we’ll help you explore the possible current and future needs of your loved ones. For example, perhaps a generous gift would benefit a loved one now and reduce inheritance tax in the future. You’ll also want to consider how the value of your assets may change over your lifetime.

Balancing the needs of those you care about now, with your own expected financial requirements throughout your life, will indicate the ideal plan for your estate.  That means your assets are passed on at the optimum time to offer the most benefit to those you care about most.
Inheritance tax planning
Your wealth can safeguard the financial security of your family after you’ve gone. Our careful Inheritance Tax (IHT) planning ensures your loved ones receive what you expect them to, if not more.

We will help you understand the complex laws around inheritance tax planning, gifting, and trust and estate planning to help you maximise the assets that you pass down.
Legacy planning
Over your lifetime, you have built your legacy. Now it is time to create a plan for how your wealth and assets will be distributed to your loved ones.

We can advise you on how best to pass it on in the most tax-efficient manner – eliminating confusion and distress for your beneficiaries. We also help you with ethical investing or making charitable donations to causes close to your heart.


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When should I begin estate planning?
It’s never too early to think about estate planning. As soon as you have savings, property or other assets to consider and/or loved ones who would need looking after when you’re gone, it’s time to start thinking about a plan for your estate.
How often does an estate plan need updating?
Most experts agree that an estate plan should be updated every 3 to 5 years. It should also be revisited if you fall ill, or whenever there is a change in your circumstances, such as buying a new house.
What should I consider when creating an estate plan?
When estate planning you’ll want to balance a variety of considerations: your financial requirements now, and what you expect them to be throughout the rest of your life; how the value of your assets may change over your lifetime; the current and possible future needs of your loved ones. Balancing these considerations will help determine when and how to pass on your assets to your beneficiaries.
What’s the difference between a will and an estate plan?
An estate plan is more complex and comprehensive than a will.  A will sets out what will happen with your family, property and other assets after you die. An estate plan includes a will, but also looks at your finances more comprehensively, including aspects such as establishing trusts and planning for care costs.
What’s the difference between estate planning and legacy planning?
Legacy planning and estate planning are related and complementary, but different in focus.  Estate planning focuses on the financial aspects of your assets, such as property and investments, and making sure they’re distributed according to your wishes. It also involves being as efficient as possible in terms of taxes, to preserve as much of your wealth as possible for your beneficiaries. Legacy planning goes beyond purely financial considerations. At Investment Quorum, we can help you further your legacy through ethical investments and charitable donations to causes you believe in.
What are the Inheritance Tax (IHT) rules?
The rules around Inheritance Tax planning are complicated.  We recommend that you always obtain professional advice when considering your options.

Please note

The rules around Inheritance Tax are complicated, so you should always obtain professional advice when considering your options. The value of investments and the income they produce can fall as well as rise. You may get back less than you invested. The Financial Conduct Authority does not regulate taxation and trust advice, deeds of variation and will writing.