How to Get Your Estate UK Inheritance Tax Ready

Download your essential guide for estate planning.

"His advice was clear, practical, and focused on long-term benefits, not just in terms of personal financial planning, but also corporate tax efficiency." (J Jensen)

What You'll Learn Inside

Smart families don’t let HMRC take more than their fair share.

• How to use gifting allowances and the 7-year rule to reduce IHT

• The role of trusts (discretionary, bare, loan, discounted gift) in protecting wealth

• How to pass on wealth immediately with excess income gifts

• Why Business Relief and AIM investments can still be powerful, and what changes in 2026 mean for you

• The risks of losing your Residence Nil-Rate Band when estates exceed £2m

• How insurance solutions (Gift Inter Vivos, Term, Whole of Life) can cover future IHT bills

• Common IHT traps that cost families hundreds of thousands unnecessarily

This guide outlines what we teach clients every day – how to structure your estate so more of your wealth passes to your family, and less ends up with HMRC.

Who is this for?

This guide is designed for:

• UK limited company directors concerned about future inheritance tax bills

• Business owners wanting to pass on wealth tax-efficiently

• High-net-worth families seeking to preserve assets across generations

• Individuals who want to retain control while protecting their legacy for loved ones

Whether your estate is valued at £500K or £5M+, the principles apply.

Why Caldwell Financial?

Trusted Advice. Proven Results.

• Chartered Financial Adviser (CFA, MCSI)

• 15+ years advising company directors, HNW individuals and families

• Estate planning & tax mitigation for 7-figure business owners

• “Clarity, Control, and Confidence” in every plan we deliver