The conversation around inheritance tax in the UK is one that few people want to have, but the cost of avoiding it can be enormous. With thresholds frozen, property values rising, and political uncertainty surrounding the future of tax policy, inheritance tax (IHT) has become one of the most pressing and unpredictable issues facing families today.
At Landmark IFA, we help you face that uncertainty with calm, considered planning. Our role is to make sure that what you have worked for, your home, your savings, your investments, and your legacy, reaches the people and causes you care about, not the taxman.
Once considered a tax for the wealthy few, inheritance tax is now affecting a far broader range of families across the UK.
These figures underline a clear reality: even modest estates are being pulled into the IHT net. What was once a concern only for the wealthy has quietly become a widespread issue for middle-income families and homeowners alike.
And with a general election on the horizon and ongoing debates about potential reforms, the future of inheritance tax remains unpredictable. Whether thresholds are raised, replaced, or made more complex, those who plan early and flexibly will be best placed to protect their assets—whatever changes come next.
Inheritance tax is typically charged at 40% on the portion of an estate that exceeds the available allowances.
Key components include:
The mechanics sound simple, but the real challenge lies in the detail, understanding how to combine allowances, time gifts correctly, and structure your estate so that your wealth passes efficiently and according to your wishes.
That’s where Landmark IFA’s expertise proves invaluable.
We believe inheritance tax planning should be an act of care, not just a calculation. It’s about ensuring your wealth supports the next generation without creating conflict, confusion, or unnecessary cost.
Our process is grounded in three principles: understanding, strategy, and adaptability.
We begin with a comprehensive review of your assets, property, pensions, investments, business holdings, and life assurance. We clarify ownership structures and establish an accurate picture of your potential IHT exposure. Many people underestimate the size of their estate, particularly when property and life policies are included, so this stage often reveals opportunities for immediate improvement.
Once we understand your position, we build a strategy that balances control, access, and efficiency. This may include:
Every recommendation is explained clearly, with attention to both the financial and emotional dimensions of wealth transfer.
No one can predict how future governments will reshape inheritance tax, but what we can do is design plans that evolve with those changes.
At Landmark IFA, we monitor every budget announcement and legislative update, adapting client strategies when needed. Whether thresholds are adjusted, exemptions reduced, or new reliefs introduced, your plan will remain resilient.
Our goal is to future-proof your estate, not through guesswork, but through structure, flexibility, and foresight.
Inheritance tax planning is most powerful when it begins early. Every year you wait reduces the tools available to you—particularly when it comes to lifetime gifts and trusts.
A well-timed plan can:
Even small actions now, such as restructuring ownership, using annual allowances, or setting up a trust, can significantly alter your estate’s long-term outcome.
Inheritance tax is one of the most misunderstood areas of personal finance. Rules are intricate, exemptions are often overlooked, and small mistakes can have major consequences. Landmark IFA brings clarity and reassurance to an area that too often feels intimidating.
We are not tied to any provider or product, allowing us to recommend solutions that fit your circumstances—not a corporate agenda.
Our advisers have deep experience in complex estate planning, working alongside solicitors and accountants to create coherent, legally robust strategies.
Inheritance tax planning is part of a wider financial picture. We ensure it integrates with your pension, investments, and retirement income to deliver complete financial harmony.
We translate complexity into understanding. You’ll always know why a recommendation is made, what it costs, and how it benefits your family in the long term.
As laws change, we stay with you. Our ongoing review service ensures your estate plan remains aligned with current regulations and your evolving life goals.
The future of inheritance tax will likely continue to shift with the political winds. Some parties have proposed abolishing it, others plan to expand its reach. In truth, no one knows what the next decade holds.
But uncertainty is not an excuse for inaction; it is the reason to act.
By planning today, you protect yourself against tomorrow’s surprises. You gain flexibility, preserve choice, and give your family clarity when it matters most.
Independent Financial Advisers (IFAs) can recommend products from across the entire market, offering impartial advice based solely on a client’s best interests. Regulated by the Financial Conduct Authority (FCA), they must consider all suitable options before making recommendations. Restricted advisers, however, can only offer advice from specific providers or product types and must clearly disclose these limitations.
While still FCA-approved, their recommendations may be influenced by the firms or products they represent. In short, IFAs provide unbiased, whole-of-market advice, while restricted advisers operate within narrower boundaries that can limit the range of financial solutions available to clients.
If you’re dealing with an Independent Financial Adviser (IFA), then yes — you’ll typically have an independent account owner or adviser who works solely in your interest, offering access to products from the entire market. Their independence means they are not tied to any single provider, so their recommendations and account management should remain impartial.
If, however, you’re with a restricted or tied advisory firm, your account will usually be managed by a restricted adviser, meaning they operate within a limited range of products or providers.
Would you like to tell me which company or platform you’re considering? I can confirm whether their advisers are independent or not.
What sets a financial firm apart is the depth of its expertise, the integrity of its advice, and the personal connection it builds with clients.
A truly distinguished firm goes beyond selling products, it takes time to understand each client’s ambitions, risk tolerance, and long-term goals. Transparency, independence, and a commitment to education create lasting trust, while forward-thinking technology and data-driven insights ensure efficiency and precision.
Exceptional firms combine professional rigour with genuine care, crafting bespoke financial strategies that evolve with clients’ lives. In essence, they succeed not by transactions, but by delivering confidence, clarity, and enduring financial growth.
Landmark IFA maximises your assets and returns through a combination of analysis, planning, and proactive management.
We begins by assessing your current financial position, goals, and risk tolerance, then build a tailored strategy designed to balance growth with protection. This often includes diversifying investments across asset classes, monitoring market trends, and rebalancing portfolios to capture opportunities while minimising exposure to risk.
The firm also considers tax efficiency, inflation, and long-term compounding to strengthen returns over time. This is also demonstrated through some of our other product offerings.
We regularly review your plan, ensuring it evolves with changing markets and life events. Ultimately, it’s about precision, discipline, and informed decision-making to help your wealth grow sustainably.
I would like to say how very satisfied I am with the service and attention I have received from Ellen regarding my financial affairs. Nothing has been too much trouble and you have always provided me with sound honest advice. I would have no hesitation in referring friends and family to Landmark IFA Limited.
I have worked with Phil on a number of areas regarding my financial planning and have always found him to be very open, honest, clued-up and quick to get things actioned whilst also being very patient. I highly recommend him to anyone thinking of getting any kind of financial advice.
