Inheritance Tax Planning

Protect Your Legacy. Plan for the Future

Inheritance Tax (IHT) can have a significant impact on the wealth you leave behind. Without careful planning, your estate could face a tax charge of up to 40% on anything above the IHT threshold — potentially reducing the amount your loved ones receive.

At Intuitive FS, we work with individuals and families to take control of their estate planning — so they can pass on more of their hard-earned wealth.

What Is Inheritance Tax?

Inheritance Tax is a tax on your estate — everything you own — when you pass away. This includes property, savings, investments, and personal possessions.

Everyone has a tax-free allowance (known as the nil-rate band) of £325,000.

An additional allowance of up to £175,000 may apply to your family home (residence nil-rate band).

Assets above the threshold may be taxed at 40%.

If you’re married or in a civil partnership, unused allowances can usually be transferred to the surviving partner.

Planning ahead ensures your estate is structured efficiently — minimising tax and maximising the legacy you leave behind.

How We Can Help

We take the time to understand your financial picture, goals, and family situation. Then we build a bespoke inheritance tax plan to help protect your estate.Strategies may include:

Gifting
Making gifts during your lifetime can reduce the value of your taxable estate — and, if done correctly, may be entirely tax-free after seven years.
Trusts
Trusts allow you to transfer assets while still retaining some control or access. They offer flexibility and potential for growth outside your estate.
Charitable Giving
Gifts to registered charities are exempt from IHT — and can also reduce the overall rate of tax paid on your estate.
Life Insurance
Policies written in trust can provide funds to cover an inheritance tax bill, preventing assets from needing to be sold.
Business Relief
Owners of qualifying businesses may be able to pass on assets free of IHT through careful planning. Business Relief invest in assets that are high risk and can be difficult to sell. The value of the investment and the income from it can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits.
Pensions
Pension wealth is often excluded from your estate for IHT purposes. We help you explore the most tax-efficient ways to structure and pass on pension assets.

Why Plan Now?

Inheritance tax planning isn’t just about minimising tax. It’s about making sure your wishes are honoured, your loved ones are cared for, and your legacy is protected.

We’re here to guide you through every step — clearly, confidentially, and with your best interests at heart

Plan Now

Talk to Us

With careful planning an estate can very often be managed in such a way that inheritance tax does not become payable or the bill can be significantly reduced. At Intuitive FS we have helped many clients and their families to reduce the future liability for their children and grandchildren. Whether you’re just starting to think about estate planning, or need specialist advice on structuring your assets, we’re here to help.

Get in Touch

I have had the service of an IFA for more than 30 years. The advice given has enabled me to maintain my lifestyle during my retirement. Following his own retirement, my IFA’s business was taken over by Intuitive.

I am delighted with the same personal and helpful advice as I have grown to expect. It pleases me that I am listened to and treated as an individual. Options to meet my parameters are fully and clearly explained and I know that my chosen option will be in my own best interests.

My confidence in Intuitive is such that I have recommended them to family and friends.

Jim. Bedford

I have been using Intuitive FS for several years now and appreciate the friendly, personal service they provide to me. Their initial assessment of my financial position and how to maximise my goals was a detailed informal discussion which I found relaxing and very reassuring. Our annual reviews ensure I am updated on my financial goals and any beneficial changes to my investments. I recently sought advice regarding my state pension and received advice within 2 days.

I would happily recommend Intuitive to anyone.

Andy H.

The Intuitive team are, to a person, communicative, practical and thorough. They provide me with all options to suit my needs, and are flexible to any changes of needs, income and proactive. I'd recommend them to others, and indeed, have done so.

Andrew Sutton Coldfield

Louise is an outstanding advisor—highly professional, personable, and always approachable. Her one-to-one annual reviews are thorough and give me full confidence that every aspect of my pension is being carefully managed. I know I can reach out to her anytime and always receive a prompt, helpful response. In the ever-changing landscape of financial regulations, Louise is a shining beacon, providing clarity, expertise, and genuine care.

Kevin. Rugby

Intuitive FS are my professional support for my financial affairs.

Louise has looked after me since my husband passed away, managing my personal finances in a friendly, patient, knowledgeable way. Louise is always on hand to talk me through my ideas, she listens and works with me offering balanced financial advice.

I feel secure and in control with Intuitive FS.

Louise is the difference between a “good “ advisor and a great one.

Alison. Bolton

We’ve been clients of Richard’s for over 20 years, and throughout that time he has consistently provided clear, honest, and thoughtful advice. He’s always approachable, takes the time to explain things in a way we understand, and genuinely has our best interests at heart. We wouldn’t hesitate to recommend him to anyone looking for a trusted advisor.

Jason. Coseley