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Inheritance Tax Planning & Mitigation in the UK

Protect your family’s wealth and pass more of your estate to the people you love.

Inheritance Tax (IHT) is charged at 40% on estates above £325,000, with an additional Residence Nil-Rate Band of up to £175,000 in some cases. Without proper planning, a significant portion of your estate could go to HMRC instead of your family.

At Lee W Denham Financial Services (Wills) Ltd, we help you plan ahead so you can reduce, manage, or even eliminate unnecessary Inheritance Tax liabilities.

Why Inheritance Tax Planning Matters

The risks of doing nothing:

  • Families could face a 40% tax bill.
  • Assets may need to be sold to pay HMRC.
  • Probate delays and added stress for loved one.

The benefits of planning ahead:

  • More of your wealth passes to children and grandchildren.
  • Peace of mind knowing your estate is structured efficiently.
  • Greater certainty for your family’s financial future.

Inheritance Tax Strategies We Use

Depending on your circumstances, we may recommend:

Gifting

taking advantage of annual exemptions and the 7-year rule.

Trusts

including discretionary and life interest trusts to protect assets.

Business Relief & Agricultural Relief

reducing IHT on qualifying assets.

Insurance Solutions

policies designed to cover potential IHT liabilities.

Nil-Rate Band Optimisation

ensuring full use of both the Nil-Rate Band and Residence Nil-Rate Band.

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Why Choose Lee W Denham Financial Services (Wills) Ltd?

With us, you can be confident that your wishes will be accurately recorded and legally binding.

specialist guidance tailored to your circumstances.

all LPAs are reviewed through the New Leaf Will Writers Federation.

Backed by £2M indemnity insurance.

documents stored securely within our vaults.

Frequently Asked Questions

The estate pays any IHT due before assets are distributed to beneficiaries.

With proper planning, liability can often be reduced or eliminated using allowances,exemptions, and reliefs.

An additional allowance (up to £175,000) available when passing on your main home to direct descendants.

The earlier, the better. Many IHT strategies (such as gifting) require time to be effective.

Take Action Today – Book Your Free IHT Review

Don’t let 40% of your estate disappear unnecessarily. With expert inheritance tax planning, you can protect your wealth and safeguard your family’s future.

Book Your Free Consultation Today