Empowering your decision-making. Preserving your family's future.
Professional Estate Planning & Tax Advisory Services.
Bespoke solutions for UK families and expats worldwide. We combine legal precision with qualified tax expertise to provide a service that truly anchors your future.
Wills: Foundation of Your Legacy
A Will is the most fundamental document in estate planning. It ensures that your assets are distributed exactly as you intend, rather than being subject to the rigid rules of intestacy. For British expats and UK residents alike, a professionally drafted Will provides certainty, protects your family, and can significantly reduce administrative burdens for your executors.
Why You Need It
Without a valid Will, the law decides who inherits your estate. This often leads to unintended consequences, potentially leaving partners or specific family members without support. A clear Will minimises family disputes, names guardians for minor children, and allows for tax-efficient asset distribution.
What’s Included
- Initial consultation & legacy assessment
- Professional drafting by qualified advisors
- Inheritance Tax efficiency review
- Secure storage options
Lasting Power of Attorney
A Lasting Power of Attorney (LPA) is a legal document that allows you to appoint one or more people to help you make decisions or to make decisions on your behalf if you lack mental capacity. It ensures that if the unexpected happens, someone you trust is already legally empowered to handle your affairs.
Why you need it
Without an LPA, your family may have to apply to the Court of Protection to gain access to your accounts or make health decisions—a process that is often expensive, stressful, and can take many months to resolve. An LPA provides immediate protection and peace of mind.
What’s included
- Property & Financial Affairs LPA
- Health & Welfare LPA
- Professional Certificate Provider service
- LPA registration with the OPG
- Digital and physical document storage
Qualified Trust Advisory
Trust Planning
A Trust is one of the most powerful and flexible tools available in estate planning — protecting assets, controlling distribution and reducing Inheritance Tax liability. A well-structured trust benefits almost any estate. At Heritance Planning, we bring qualified tax expertise to every trust we establish, ensuring structures are right and tax implications fully understood.
Types of Trust We Advise On:
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Discretionary Trusts
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Life Interest Trusts
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Bare Trusts
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Pilot Trusts
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Business Trusts
Who Should Consider A Trust
- High net worth estates over the IHT threshold
- Parents protecting assets for children
- Business owners securing company assets
- Blended families with complex wishes
- Expats with global protection needs
- Anyone wanting control over asset timing and distribution
What's Included
- Full trust planning consultation
- Professionally drafted trust deed
- Full tax implications advice
- Secure digital document delivery
- Client portal access
Inheritance Tax Planning
Inheritance Tax is one of the most significant financial threats facing UK estates today. With the nil rate band frozen at £325,000 until 2028 and rising property values pushing more estates into the IHT net than ever before, proactive planning has never been more important. At 40% tax on everything above the threshold, the potential liability is substantial. Yet with the right planning in place, many estates can significantly reduce or even eliminate their IHT exposure entirely, using entirely legitimate and HMRC approved strategies. At Heritance Planning we bring qualified tax advisory expertise to every IHT assessment, giving you a clear picture of your current exposure and a practical plan to address it.
Your IHT Planning Options
✅ Nil Rate Band Planning
Every individual has a £325,000 nil rate band. Married couples can combine theirs for up to £650,000. We ensure your estate plan maximises every available threshold.
✅ Residence Nil Rate Band
An additional £175,000 allowance when passing a main residence to direct descendants. Combined with the standard nil rate band a married couple can pass up to £1,000,000 free of IHT.
✅ Lifetime Gifting Strategy
Making structured gifts during your lifetime is one of the most effective ways to reduce your taxable estate. We advise on annual exemptions, potentially exempt transfers and the seven year rule.
✅ Trust Planning
Placing assets into trust removes them from your taxable estate whilst retaining a degree of control. We advise on the most appropriate trust structures for your circumstances.
✅ Business Property Relief
Business owners may qualify for up to 100% IHT relief on qualifying business assets. We identify your BPR eligibility and ensure it is maximised in your estate plan.
✅ Charitable Giving
Leaving 10% or more of your estate to charity reduces your IHT rate from 40% to 36% on the remainder — a tax efficient way to support causes you care about.
What’s Included
- Comprehensive IHT liability assessment
- Domicile status review for expats
- Gift planning and Potentially Exempt Transfers (PETs)
- Business Property Relief (BPR) optimisation
- Trust coordination and lifetime planning strategy
Letters of Wishes
A Letter of Wishes is a personal document that accompanies your Will — giving your executors and trustees guidance on how you would like certain matters handled that fall outside the strict legal provisions of your Will itself.
Unlike your Will, a Letter of Wishes is not legally binding — but it carries significant moral weight and provides invaluable guidance to the people responsible for carrying out your wishes. It also gives you the freedom to express personal sentiments, explain your decisions and provide context that a formal legal document simply cannot capture.
Letters of Wishes can cover:
Personal Possessions - Guidance on how specific personal items such as jewellery, furniture, sentimental possessions, should be distributed among family members.
Funeral Wishes - Your preferences for your funeral arrangements, burial or cremation, music, readings and any other personal wishes.
Guidance For Trustees - Instructions for trustees on how you would like trust assets managed and distributed — particularly useful for discretionary trusts where trustees have wide powers.
Messages To Loved Ones - Personal messages, explanations of decisions made in your Will and any other sentiments you wish to leave for the people who matter most.
Guardianship Guidance - Guidance for appointed guardians on how you would like your children raised — values, education, religion and lifestyle preferences.
Digital Assets - Instructions for managing your digital life — social media accounts, online banking, email accounts and any digital assets of value.
🔒 Completely confidential and easily updatable
🖋️ Bespoke personal guidance for executors and trustees
Flexible
Update your wishes at any time without costly Will amendments.
What's included:
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Full consultation to capture your wishes
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Professionally drafted Letter of Wishes
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Secure digital document delivery
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Client portal access
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Regular review recommended as circumstances change
Tax Advisory Services
At Heritance Planning our tax advisory expertise goes beyond Inheritance Tax. As a qualified tax adviser with over 10 years of experience in personal and corporate tax we provide comprehensive tax planning advice that covers every aspect of your financial life — not just your estate.
We don't just draft documents — we understand the full tax picture and ensure every plan we put in place is as tax efficient as it possibly can be.
Personal Tax Advisory
- Income Tax Planning: Structuring income and assets to minimise liability.
- Capital Gains Tax: Strategies for property, investments and spousal transfers.
- Self Assessment: Expert guidance on returns and identifying available reliefs.
- Pension Tax: Maximising contributions and relief within your estate plan.
Corporate Tax Advisory
- Business Tax Planning: Efficient structuring and remuneration strategies.
- Director Tax: Interaction between personal and corporate tax positions.
- Asset Planning: Capital allowances, R&D relief, and available business reliefs.
- Restructuring: Tax advice on business reorganisations and structure changes.
What's Included:
- Full tax advisory consultation
- Personalised tax planning strategy
- Written advice and recommendations
- Integration with your estate plan
- Ongoing advisory relationship available
Ready To Protect Everything You Have Built?
From a simple Will to a comprehensive estate and tax plan — we have the expertise to protect your wealth, minimise your tax liability and preserve your legacy for the people who matter most.
✅ Qualified tax adviser with 10 years experience
✅ Free 30 minute consultation — no obligation
✅ Remote consultations available worldwide
✅ All fees agreed transparently upfront
Or email us directly at hello@heritanceplanning.com
All enquiries responded to within 24 hours.
Starting prices available on our Pricing page. All fees confirmed following your free consultation based on the complexity of your individual circumstances.