Why It Matters
Inheritance tax (IHT) can affect more families than many realise. The average house price in an affluent area of Bristol for example, is about £620,000 according to recent Land Registry data. Once you add savings, investments, and - from 2027 - pension values, it becomes much easier for an estate to exceed the £500,000 threshold for individuals or the combined £1 million allowance for couples (nil-rate band and residence nil-rate band combined).
With legislation evolving, ongoing advice is essential to keep your estate plan effective and your wealth structured efficiently.
How We Help You Plan
We take a complete view of your finances, considering pensions, investments, savings, and property to plan in a tax-efficient way. Our approach is proactive and ongoing: we review your estate regularly, adapting to changing rules, life events, and your financial situation.
We guide you through strategies such as lifetime gifts, trusts, charitable legacies, and IHT-efficient investments. We explain all options clearly, helping you make informed decisions, so your wealth benefits your loved ones as you intend.
Common Situations We Help With
Worried your loved ones could face an inheritance tax bill
Looking for ways to reduce inheritance tax while staying compliant
Needing clarity on how pensions or other assets are affected by upcoming legislation changes
Wanting ongoing advice to keep your estate plan current and effective
Exploring options such as lifetime gifts, trusts, charitable legacies, or inheritance tax-efficient investments
Testimonials
Richard has always been very accessible, a real advantage and gives me confidence in our dealings. The level of service has been first class. Richard has always carried out his promised actions on time. Any technical advice has been explained in a very clear and understandable manner.
We have found the service of Harold Stephens very consistent and reliable. We are very confident in the service given. Follow-ups have been thorough and explained with understanding as Richard has good teaching qualities.
