Letter of Intention – Gifts Out of Income
This is a ready-to-use letter template for gifts out of income. If you want the full breakdown of how the rules work (and how to
15th November 2025
This is a ready-to-use letter template for gifts out of income. If you want the full breakdown of how the rules work (and how to
We all know about the £3,000 annual gift allowance – which, let’s be honest, barely covers a family Christmas these days. But there’s another inheritance
As we continue our series on planning for life’s “what ifs”, there’s one family member we couldn’t possibly overlook — the one who never answers
Ask any couple whose money it is, and you’ll probably get three answers: For day-to-day life, that works fine. But when it comes to Inheritance
Life insurance is one of those things we all know we “should” sort out, but it’s easy to kick into the long grass. The trouble
For years, pensions were the golden goose of estate planning — outside of Inheritance Tax (IHT), flexible, and easy to pass on. But the landscape
From 6 April 2025, the UK moved IHT onto a residence-based footing. The key concept is long-term UK resident (LTR) — not “UK-domiciled”. If you’re
Giving to charity isn’t just about feeling good — it’s also one of the neatest ways to reduce Inheritance Tax. How it works: That small
Small, steady steps beat grand gestures. Use the easy wins every year, record what you do, and deploy trusts where they add control or protection.
IHT hits estates above £325,000 (the nil-rate band), plus a £175,000 residence band if you leave your home to children or grandchildren. Couples can combine
Personal tax has become increasingly complex. We help you understand what matters, structure things correctly and stay compliant – without the endless back-and-forth. Whether it’s self-assessment, property income, capital gains, inheritance tax or long-term planning, we focus on getting it right and keeping it simple.
From start-ups to established owner-managed businesses, we go beyond annual accounts and tax returns. We help you structure properly, improve profitability, plan ahead and make confident decisions. You’ll get clear advice, honest conversations and support that grows with your business.