Getting Started8 min read
What to Expect From Your First Meeting With a Financial Adviser
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.
10 August 2026Read More
Resources & Insights
IHT Planning Resources
Expert insights and guidance on inheritance tax planning from WePlan.Money
Getting Started8 min read
The Documents Your Financial Adviser Will Ask For (and Why)
ID, payslips, pension statements — the paperwork advisers request isn’t box-ticking. Here’s what each document tells them, and how to find it.
5 August 2026Read More
Getting Started9 min read
How Financial Advice Works: From First Chat to Ongoing Plan
The advice journey demystified — the five stages every client goes through, how long each takes, and what you should expect at every step.
30 July 2026Read More
Pensions7 min read
The Pension Annual Allowance: How the £60,000 Limit Works
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.
12 May 2026Read More
Pensions8 min read
Pension Carry Forward: Using Three Years of Unused Allowance
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.
8 May 2026Read More
Pensions8 min read
The Tapered Annual Allowance: How High Earners Lose Relief
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.
4 May 2026Read More
Pensions7 min read
The MPAA: The £10,000 Trap After Flexibly Accessing a Pension
Take flexible income from a pension and your money purchase annual allowance drops to £10,000 - permanently, with no carry forward.
28 April 2026Read More
Tax Planning10 min read
How the 2027 Pension Shake-up Could Add 40% to Your IHT Bill
From April 2027 pension pots join the IHT net. Here's the detail, who is hit hardest, and five planning moves to consider today.
28 July 2025Read More
Estate Planning10 min read
Nil-Rate Bands: Stretching £325k to £1 million (Legally)
A practical guide for couples to combine the NRB, RNRB and downsizing relief – plus the traps that waste the allowance.
25 July 2025Read More
Business Owners9 min read
Business Relief: Passing Your Company on Tax-Free
Entrepreneurs can often hand down shares with 0% IHT – if they meet two crucial HMRC tests.
22 July 2025Read More
Gifting8 min read
Gifting and the Seven-Year Rule: How PETs Really Work
Potentially-exempt transfers can wipe out IHT, but taper relief, CLTs and gifts with reservation trip many families up.
18 July 2025Read More
Gifting6 min read
The Overlooked IHT Exemption: Gifts out of Surplus Income
Unlike PETs, these gifts are immediately exempt – provided you follow HMRC's three-part test.
15 July 2025Read More
Protection7 min read
Using Whole-of-Life Insurance to Pay the IHT Bill
Life assurance in trust can deliver cash exactly when HMRC calls – without inflating the estate.
12 July 2025Read More
Agriculture6 min read
Agricultural Property Relief: 100% IHT Relief on the Family Farm
APR can wipe out IHT yet strict occupation rules catch many family farms unaware.
9 July 2025Read More
Cross-Border8 min read
Non-UK Domicile? What It Really Means for IHT
Your "domicile of origin" can trump where you live when HMRC calculates inheritance tax.
6 July 2025Read More
Wills & Trusts9 min read
Trust vs. Straight Will: Which Delivers the Better IHT Outcome?
Side-by-side numbers on leaving assets outright, via discretionary trust or with a life-interest trust.
3 July 2025Read More
Advanced Planning8 min read
Chargeable Lifetime Transfers vs. PETs: Choosing the Right Gift
Large gifts to trusts are taxed up-front at 20%, but they can still beat the 40% bill later. Here's the maths.
1 July 2025Read More
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