Resources & Insights
Expert insights and guidance on inheritance tax planning from WePlan.Money
You don't need a spreadsheet or an app to understand your money. Here's a simple, three-pot way to see where it goes and make it work harder for you.
An emergency fund turns a crisis into an inconvenience. Here is how to work out the right size for you, where to keep it, and how to build it from scratch.
Not all debts are equal. Here's a calm, step-by-step order for dealing with what you owe, from the bills that can't wait to the ones that can.
Pensions can feel complicated, but the key questions are simple. Here is what to check in your twenties, thirties, forties, fifties and beyond.
If you were ill for a long time, or died, how would your family manage? A plain-English guide to sick pay, income protection and life cover.
Making a will and setting up Lasting Powers of Attorney are two of the kindest things you can do for your family. Here is what they are and how to start.
Nervous about your first meeting? Here’s exactly what happens, what you’ll be asked, what it costs, and how to get the most out of it.
ID, payslips, pension statements — the paperwork advisers request isn’t box-ticking. Here’s what each document tells them, and how to find it.
The advice journey demystified — the five stages every client goes through, how long each takes, and what you should expect at every step.
The annual allowance caps how much can go into your pensions each tax year with tax relief. Exceed it and a tax charge claws the relief back.
Unused annual allowance from the previous three tax years can be carried forward, potentially letting you contribute far more than £60,000 in one year.
Earn over £200,000 and your pension annual allowance may shrink. Above £260,000 of adjusted income it tapers away to as little as £10,000.
Take flexible income from a pension and your money purchase annual allowance drops to £10,000 - permanently, with no carry forward.
From April 2027 pension pots join the IHT net. Here's the detail, who is hit hardest, and five planning moves to consider today.
A practical guide for couples to combine the NRB, RNRB and downsizing relief – plus the traps that waste the allowance.
Entrepreneurs can often hand down shares with 0% IHT – if they meet two crucial HMRC tests.
Potentially-exempt transfers can wipe out IHT, but taper relief, CLTs and gifts with reservation trip many families up.
Unlike PETs, these gifts are immediately exempt – provided you follow HMRC's three-part test.
Life assurance in trust can deliver cash exactly when HMRC calls – without inflating the estate.
APR can wipe out IHT yet strict occupation rules catch many family farms unaware.
Your "domicile of origin" can trump where you live when HMRC calculates inheritance tax.
Side-by-side numbers on leaving assets outright, via discretionary trust or with a life-interest trust.
Large gifts to trusts are taxed up-front at 20%, but they can still beat the 40% bill later. Here's the maths.
Our expert advisers can help you navigate the complexities of inheritance tax planning and develop a strategy tailored to your specific circumstances.
