Your Estate Plan Has Gaps. We'll Show You Where.
7 questions. 2 minutes. A clear picture of where your estate is protected — and where it isn't.
Are you married or in a civil partnership?
This significantly changes how much you can pass on tax-free. Married couples can share their allowances.
Do you have children or grandchildren?
Leaving your home to direct descendants unlocks an extra £175,000 allowance per person. Without children, different strategies are needed.
Do you own your home?
For most people, the family home is the single biggest asset in their estate — and often the most at risk.
What is the approximate total value of your estate?
Include property, savings, investments, pensions, and life insurance. An estimate is fine.
What estate planning do you currently have in place?
This helps us identify any gaps in your current arrangements.
What is your primary estate planning concern?
Understanding your priorities helps us tailor the right recommendations.
Which age bracket do you fall into?
Estate planning priorities vary at different stages of life.
Your Estate Protection Score
Your Risk Snapshot
Your Full Estate Protection Report
Based on your estate value and marital status, your current nil-rate band allowance is £325,000. Combined with the residence nil-rate band of £175,000 (available when passing your home to direct descendants), your total tax-free threshold is £500,000. As a married couple, any unused allowance transfers to the surviving spouse, giving a combined threshold of up to £1,000,000. Your estimated estate value places you above this threshold, resulting in a potential tax liability on the excess at 40%.
Under current rules in England, if your savings and assets exceed £23,250, you'll be required to self-fund your care entirely. With average residential care costing £1,300 per week (roughly £67,600 per year), an unprotected estate can be depleted within 4-5 years. Your property ownership status means the full value of your home could be included in the local authority's means test for permanent residential care.
Given your specific situation, we would recommend establishing a protective property trust to ring-fence your share of the family home, ensuring Lasting Powers of Attorney are registered for both financial and health decisions, and reviewing your will to incorporate appropriate trust provisions that protect against care fee assessment and preserve wealth for the next generation.
We have identified three immediate steps you should consider, ranked by urgency and potential impact on your estate's exposure. Each recommendation includes estimated cost savings, implementation timeline, and specific next steps tailored to your situation.
Based on your primary concern and estate profile, we've identified the most suitable advisor within our team to assist you. Your report includes their background, specialisation, and a direct booking link for a complimentary consultation.
Receive Your Full Estate Protection Report
A detailed, personalised analysis covering your inheritance tax liability, care fees exposure, and a recommended protection strategy — sent directly to your inbox.