23/05/2026
Did you know that inheritance tax (IHT) can significantly reduce the wealth passed on to your loved ones?
Many business owners have benefited from valuable inheritance tax reliefs. However, recent and proposed changes mean that more business assets may become exposed to inheritance tax, subject to available reliefs and allowances.
From April 2027, most pension fund balances are expected to form part of an individual's estate for inheritance tax purposes. In addition, where the pension holder dies after age 75, beneficiaries may also have to pay Income Tax when drawing benefits. In some cases, the combined tax burden can substantially reduce the value received by the next generation.
Many people are unaware that inheritance tax may apply not only to UK assets but also to overseas assets, depending on residence status, and personal circumstances. Property, investments, bank accounts, and other assets held abroad may need to be considered as part of a comprehensive estate planning strategy.
Consider the following questions:
• What could happen if I leave everything to my spouse and they later remarry? Could my assets ultimately pass outside my intended family line?
• What happens if I transfer all my assets to my children and they later divorce, become bankrupt, or face legal claims?
• Can I give my home to my children during my lifetime and avoid inheritance tax?
• Can I use trusts to minimise inheritance tax and protect family wealth?
• What happens if I lose mental capacity before putting a Will or Lasting Power of Attorney in place?
• Are my overseas assets protected and structured efficiently for inheritance tax purposes?
Do you need professional advice from a STEP member, an IPW member and a professional regulated by the ICAEW regarding:
• Inheritance Tax planning
• Wills and estate planning
• Trusts
• Lasting Powers of Attorney
• Probate and estate administration
• Reviewing a Will that is more than five years old
• Changes in family circumstances such as marriage, divorce, births, or deaths
• Assistance following the recent death of a close family member
We provide a free 10–15 minute initial consultation to discuss your circumstances and potential planning opportunities.
For specialist inheritance tax and estate planning advice, contact:
Hasan Ghaffoor
Apex Estate Planners Ltd
Telephone: 020 8416 0986
Mobile: 07527 720078
For more information, visit: www.apexep.net
Please feel free to pass this message on to your friends and family who may benefit from professional estate planning advice.
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