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Complete the form to download your copy of the IHT Guide. This resource is designed to help you understand your estate planning options and the various reliefs available to reduce your Inheritance Tax liability.
Estate Valuation & Allowances
Understand how your estate is valued and learn about nil rate bands, residence allowances, and spousal transfers.
Gifting & Trust Strategies
Explore exemptions, the seven-year rule, and how trusts can help pass on wealth to future generations.
Business Relief
Learn how qualifying investments can provide up to 100% IHT relief after just two years of ownership.
Latest Rule Changes
Updated for 2026 including pension inclusion from April 2027 and new Business Relief allowance caps.
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Guide Contents
Everything you need to understand Inheritance Tax and the planning options available to help protect your estate.
An Introduction to IHT
Understanding the nil rate band, residence nil rate band, spousal exemptions, and how IHT is calculated on your estate.
Calculating Your Estate
How to value your estate including property, savings, investments, and debts — with worked examples for individuals and couples.
The Residence Nil Rate Band
The additional £175,000 allowance for your home, who qualifies, and how it works for couples leaving property to descendants.
Pension Schemes & IHT
How pensions are treated on death, and the major changes coming from April 2027 when unused funds will be included in estates.
Making Gifts
Annual exemptions, the seven-year rule, potentially exempt transfers, wedding gifts, and gifts out of normal expenditure.
Releasing Equity from Your Home
How equity release can reduce your estate value while giving you access to funds during your lifetime.
An Introduction to Trusts
Bare trusts, discretionary trusts, loan trusts, and discounted gift trusts — how each works and their IHT implications.
Life Assurance & IHT
Using whole-of-life and term insurance to cover potential IHT liabilities and preserve your estate for beneficiaries.
Business Relief
How investments qualifying for BR can provide up to 100% IHT relief, the new £2.5m lifetime allowance, and AIM share changes.