Passing on Wealth—Without Giving Up Control

A retired couple, both in their early 70s, had built substantial wealth—mostly in property and investments.

But they were concerned: “How do we pass this on without a big tax bill—or the kids blowing it?”

We helped them set up Discretionary Trusts and began gifting surplus income using the “normal expenditure out of income” rule. They also updated their wills and assigned life policies in trust.

The result?

• Significant Inheritance Tax (IHT) savings

• Ongoing control over when and how funds are released

• Peace of mind knowing their estate plan protected both their wealth and family dynamics

“It’s not just about saving tax—it’s knowing our values pass down too.”

Inheritance Tax/Estate Planning and Trusts are not regulated by the Financial Conduct Authority.

This is for illustrative purposes only and does not constitute advice.

Securing a Legacy